1. Decide how much home you can afford. Generally, you can afford a home equivalent to what you pay now for rent or a little more.

2. Develop a wish list of what you would like your home to have. Then prioritize the features on your list.

3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansions plans, and safety.

4. Determine if you have enough saved to cover your down payment and closing costs. Check into different down payment assistance.

5. Get your credit in order. Obtain a copy of your credit report.

6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.

7. Organize all the documentation a lender will need to pre-approve you for a loan.

8. Do research to determine if you qualify for any special mortgage or down payment assistance programs.

9. Calculate the costs of home ownership, including property taxes, insurance, maintenance, and association fees, if applicable.

10. Click on Please Refer Me To An Agent In My Area Our agents can guide you through these steps to help you make the best and smartest home buying decision.