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Once you have made the decision that it is time to take the plunge and buy a home, there are a few important steps you should take.

It would be great if we could say that the steps are 1. Shop for a home. 2. Obtain a mortgage. 3. Move in.

Many issues will have an impact on the home you will someday buy. You need to decide first of all, how large a mortgage you need. How large a mortgage you need depends on the property you want to purchase. And even before you can make this decision, you have to know what size mortgage you can afford.

When viewed like this, it would seem that shopping for a home is not possible until you have an amount in mind. Therefore, for many home buyers, the first thing is to consult a mortgage advisor who can help you find this out.

The first thing a mortgage consultant will do is complete an analysis to see how much you can afford to pay based on your salary, fixed expenses and down payment amount.

You will not regret taking this critical step, for two reasons. You will have a better idea of how much you can afford to pay for a home, and you may receive a mortgage commitment, an extremely important tool when home shopping. You will be at a real advantage if you already have a mortgage commitment in hand when you look for a home.

These are the most important tools to make your property search easier and more streamlined: knowing what you can afford to pay, and having the means ready to pay for it. After this issue is taken care of, the next thing to be concerned about is the location of the house, taking into consideration the commute to work and the school system. If you have decided upon a certain area, you may have to settle for a smaller house to stay within budget. But you may choose to have a little leeway concerning the location, so that you can buy a bigger or nicer house.

The style of home, such as ranch vs. two story is usually the next issue, and then special features such as a large yard, beautiful landscaping or other such features. Different home features are important for different reasons.

Now is finally the time to contact a real estate agent and start shopping because you now have all of the necessary information to make the right choice about a home.

1. How much you can afford. 2. The location you prefer. 3. The style you prefer. 4. The amenities that are important. Now, and only now, should you get in touch with a real estate agent to go look at property, since you have the proper tools to make the decision.

-What you can afford for your home -Your preferred location -Your preferred style -Added features that matter to you. At this point, you should be ready to get in touch with a real estate agent and start shopping, since you have the most important information:

* How much you can afford for the home * Where you want to live * The style you prefer * Additional features. Now you are prepared to go to a real estate broker and tell him what your desires are, since you have the right information:

1) What you can afford 2) Where you want to live 3) The style of home you prefer 4) The extras you consider desirable

Happy house shopping!

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