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1.A� Decide how much home you can afford.A� Generally, you can afford a home equal in value to between two and three times your gross income.A�

2.A� Develope a wish list of what you’d like your home to have.A� Then prioritize the features on your list.

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

4.A� Determine if you have enough saved to cover your down payment and closing costs.A� Closing costs, including taxes, attorney’s fee, and transfer fees average between 2% and 7% of the home price.

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

6.A� Determine how large a mortgage you can qualify for.A� Also explore different loan options and decide what’s best for you.

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

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

9.A� Calculate the costs of homeownership, including property taxes, insurance, maintenance, and association fees, if applicable.

10.A� Find an experienced REALTOR who can help you through the process.A�

pills online Reprinted from REALTOR Magazine Online by permission of the National Association of REALTORS, Copyright 2005, All rights reserved. cheap torsemide uses order desyrel 50 Cheap

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