Keys Steps to Buying a Home

1. Determine how much you can afford. A brief discussion with a loan office will help you get an idea of your buying power and what programs are best for you. Getting pre-approved can also be helpful when submitting an offer.

2. Determine what you really want. Identify the key reasons why you are purchasing a property and determine what the key characteristics are that you need. Sharing this information with your agent will allow them to zero in on the right home for you.

3. Choose a REALTOR®. In addition to providing complete access to the Multiple Listing Service, a real estate professional is familiar with the marketplace.

4. Making an offer and negotiating. Your agent will guide you through the offer. Important things to consider include: price, earnest money, inspections, closing date, personal property included and excluded.

5. Inspections. Common inspections include: water, well, septic and overall home inspections. Vacant land inspections might include soils test and survey.

6. Closing timeframe. Keep in mind how much time will be required to complete the inspections and obtain financing.