Figure out how much money you have for down payment on a home.
Set up appointment with a local bank or mortgage lender to see how much money you can borrow and other expenses like closing costs and special programs you may qualify for. This is called a Pre-Approval.
Make a wish list of what you really want and need in a home. Where you would like to live related to work, schools, family and number of bedrooms and baths.
Find a local real estate agent to help you. Its most common that a real estate agent is needed to sell a home but it is equally important that you have someone representing you for negotiating the best deal and finding that special home for you.
Start looking at homes online or visit them in person with your real estate agent. Do your research of the neighborhoods and homes in the area that can help you build equity in your new home.
Make an offer to purchase that is with in your budget and have a home inspection included in your purchase offer. A home inspection by a independent inspector can you help identify any issues that may cause you unexpected expenses down the road. You may consider asking the current owners what these average expenses cost on the home, such as home owners insurance, annual taxes, even utilities.
Finalize your mortgage application and keep in touch with your bank or mortgage lender to ensure all necessary documentation is in order.
Select an attorney to search home title and secure a clear title to property. This will be included in your mortgage documents along with who you would like to provide your home owners insurance.
Do not change jobs or make purchases that would create a loan credit inquiry or reduce your monthly income needed for your mortgage approval. So hold off until you close for any financed purchases of new appliances, furniture, or a new auto. You will have plenty of time after you move in.
Close on your new home purchase by signing the necessary paperwork, pay closing costs and move into of your new home.