(1)  Hire a Realtor professional:

        Realtors guide you through the steps

        of buying a home.

        EXPERIENCE IS NOT EXPENSIVE -        IT IS PRICELESS - -

(2)  Shop for a mortgage rate:

         Even 1% of $100,000. is about

         $35.00 per month, over 30 years

          it could add to $12,600.

(3)  Prequalify for a loan:

         How much can "you afford" ?

(4)  Define  "What do you want":

         Important features of a home to you

         Make (2) lists;

         Features that you would enjoy - -

         Features you can not live without - -

(5) Visit properties:

         Keep notes of  house features.

         such as area, carpet color,

         garage with workshop, etc

(6)  Make offer:

         After you have pinpointed your

         dream home.

(7) Arrange for home inspection:

         Just for piece of mind,  to find  

         common problems; such as - -

         wiring, foundations, roof

         condition, well and septic.

(8)  Close:

          Complete all mortgage forms,

          and other paper work required

          by the government, and bank. 

          Buy home insurance.

(9)  Prepare to live in your new 

       Home:

          Change name and address;

          Utility - - Phone - - Post Office -

          Banks, Driver License,  School

          enrollment, subscriptions, family,

          friends, credit cards - - - etc. 

          Change locks and keys

(10) Take time to enjoy your new          Home: