Find a Realtor. Try to get a referral from a friend as this is generally the best way to be sure you get someone with a reasonable track record. Don’t sign anything till you have spent some time and have assurance that the Realtor is competent and diligent. You Realtor should be able to provide answers and connect you with the correct people to help you in all areas of your home purchase

Buying a house and making it your home is a dream almost everyone cherishes, irrespective of the geographical boundaries. The American Dream refuses to diminish in sheen and size despite the lingering subprime dark clouds. However, the current situation is a goldmine of opportunity of a smart and savvy first time home buyer or investor..Here are many first time home buyers programs available. You may start by calling the city Housing Office in your city or the county housing office in the county in which you reside.If these offices don’t have the programs you are seeking they will be able to tell you what agency in their jurisdiction has them.

First time home buyers can now opt for first time home buyers loans and buy their choice of home more easily. Moreover, simply because you are buying a home for the first time doesn’t mean you need to opt for this type of loan. Most of these loans come with restrictions as well as strings attached. While these loans are perfect for some, they are a bad choice for most others. Once you have located the first time home buyers program and who operate it, that agency normally have a list of lenders, banks mortgage brokers or institutions that are authorize to administer the program. These agencies are normally listed on a pamphlet.

get a pre-qual first to see what (loan) and how much you would qualify for