Begin the application process by getting prequalified and preapproved from a Mortgage Lender. Do this first. Your Agent will need your mortgage qualification, and it will significantly strengthen your offer when you find a home.

*****PathToAHome.com can connect you with lenders to help you get prequalified and preapproved.

Get your financial picture in focus as soon as possible. Since it is an important component, be aware of your credit situation. You can get a free copy of your credit report at PathToAHome.com as well. Having your credit report in hand makes it much easier to decide which way to proceed.

The best time to work on your budget is before you move. Talk with your lender about payments, down payment requirements and insurance. Understand what you can afford today as well as in the future.

Build a timeline based on your plans of finding a home. Talk with your agent and lender to see how long it takes for each step.

Find an Agent that you trust. It is important to do this before you go rushing off looking for homes or you may end up with no representation. PathToAHome.com only works with Real Estate professionals that know their area the best and can provide you with all the information that you need to make the right decision.

Determine your housing needs and wants to determine what types of houses you should be considering.

Familiarize yourself with the various types of housing available: Single family, townhouse, and condo.

Still have a question about a Real Estate term or its definition? See our Mortgage Information section.

Familiarize yourself with how to set a value on a house. This can save you a great deal of time and helps to avoid disappointment.

When you find an acceptable house, write an offer. Familiarize yourself with how offers become contracts

Negotiate your best deal using the information you have acquired.

If you haven't already done so, make a mortgage loan request.

Arrange for home inspection. Protect yourself. Your Real Estate agent should have several professionals to choose from.

Learn about home warranties and what they cover.

Compare and secure homeowners insurance. Since homeowners insurance is a long term expense, getting the best deal here brings savings that continue. You can also shop for Home Insurance quotes at PathToAHome.com

Make moving plans. If you plan to use a moving company, make comparisons and reserve time now.

Secure final loan approval and commitment from the lending institution. If you have done your "up-front" work, this should be one of your easiest steps.

Do a final walk through of the house.

Good luck with you new home. Send us a picture so we can post it on our site when you move in!