Homeownership has long been regarded as one of the basic elements of the American dream. Buying a home, however, is anything but basic. It is important to understand the process as well as how your specific needs fit into your search for a new home.

This tutorial was designed to help you get the most out of buying a home whether you're a first-time buyer, moving up or downsizing, we'll walk you through the steps and strategies you'll need.

• Getting Started
  Your reasons for buying a home determine the steps and strategies you should follow.
  • First-time buyer
  • Moving up
  • Downsizing

• How Much House can You Afford?
  Take the time to examine your finances and determine how much you can afford for down and monthly payments.
  • Clean up Your Credit
  • Low-Down Options

• Choose a Broker

             Home sellers enlist the help of professionals to represent their interests, so why shouldn't home buyers do the same?

• Begin Your Search
  The search for a new home should not start with the price. More important are the location and quality of the property and its ability to meet, or be tailored to meet, your needs.

• Make the Offer
  Once you've found the home you want, it's time to negotiate the price. Find out about various factors to consider when preparing to make an offer.
  • The smart buyer's purchase contract

• Select a Mortgage
  Finding the right mortgage involves some digging. Interest rates, points, processing costs, and adjustment features all affect how well a mortgage suits your needs.

• The Application Process
  Here's what you can expect when you're ready to apply for your loan.

• Close the Deal
  An accepted contract doesn't mean the deal is done yet, but there are things you can do to help avoid any snags.

Click here for your Free Real Estate Buyer's Guide