If you are thinking of buying a home, you may be wondering how to start the process. Do you begin by reading books, visiting open houses, finding a great Realtor, or what?

There are a few ways to approach homebuying, but it's good to have a clear strategy, to know your wants, needs, and budget. The wants and needs part you may be able to sort out largely on your own.

The budget part is more complicated and usually requires talking to a lender (especially in today's climate) - preferably someone who comes highly recommended and lauded. Talking to a lender, choosing a loan product and then having a real budget is usually the best way to begin the homebuying process. I blogged about this on Live in Los Gatos a few days ago, as it's a common question I get ("where to begin?").

One way to find a great lender is through a great Realtor. But whether you begin with the real estate agent or begin with a mortgage broker or banker. be selective! Don't just pick someone you barely know without checking him or her out online. Check the department of real estate's website to see if there are any glaring issues. Check references. Do your due dilligence!

Once you are pre-approved and have your budget, you'll be ready to roll!

If you'd like help locating a great lender who's knowledgeable, skilled, ethical, and careful with your money, contact me. I will happily put you in contact with someone who will work hard to get you a great rate and make the process as smooth as possible.