I have been answering a lot of questions from uninformed first time buyers on websites Like Homeresearch.com and Trulia.com, these sites have realtors who will answer real estate questions. The majority of questions are regarding if one house or another is available. They do not have a Realtor nor are they pre-approved......So I am writing this for the benefit of the many first time home buyers who do not know that their first step should be to find a Realtor they feel comfortable with. The buyers Realtor is paid by the seller and so the expert help of an experienced Realtor comes at no cost to them.
Their next step should be to obtain a pre-approval from their bank or other lender. Without a pre-approval, any offer they submit will likely be ignored. If they do not have a particular lender or bank they want to do business with their Realtor can help them with that as well.