• Line up your financing, set aside a down payment and study the loan programs available.
• Order a free credit report
• Find a lender
• Determine a down payment
• Get a Preapproval Letter from your lender

Pick a REALTOR to help with buying a home.

• A licensed REALTOR belongs to the National Association of Realtors and subscribes to the REALTOR'S Code of Ethics, which is comprised of 17 Articles and Standards of Practice which are strictly enforced by the State and National Boards of Realtors.
• A REALTOR with experience can help you to avoid making mistakes such as choosing the wrong home or offering too much.
• A REALTOR has access to the constantly changing market conditions, has neighborhood knowledge, can offer price guidance, handles the huge volume of paperwork necessary in today's world and is available after the closing for any questions that may arise.
• Make sure you're comfortable with that agent before committing to work with that person.
  

• Price isn't the only consideration. Sellers often accept lower-priced offers for other considerations.
• If you really love the home, chances are another buyer will want it as well. Take this into consideration when making your offer.
• It's common for sellers and buyers to negotiate back and forth through counter offers. Keep your patience during this process.
  
  

Get a home inspection and read disclosures.

• Never buy a home without getting a home inspection.
• Most states have laws about the types of disclosures you are entitled to. Read them!
• Always do a final inspection a few days before closing to make sure the property is in the same condition as when you agreed to buy it.
  
  

• Reserve movers or a moving truck early because many people move at the end of the month.
• Shop for insurance rates carefully. Often, the company that insures your automobiles may offer you the best policy rates.