Step #2 getting prequalified.
Once you know the amount of money available to buy a home the next step is to sit down with a lender.
You can ask your friends who may have purchased a home recently for recommendation.
If you have already met a real estate agent , the agent may have recommended some loan officers.
You can go to www.hud.gov and look up lenders and other resources available for buyers.
The lender will check your credit and based on your income and debts qualify you for a mortgage. The lender will explain closing costs and down payment needed for the purchase of a home.
This will give you an idea of the price of the home that you can afford to buy.
DO NOT GO TO NEW CONSTRUCTION UNTIL YOU START WORKING WITH AN AGENT.
The sales person at the model homes represents the builder.
TEN STEPS to buying a home Step #1. Cash saved to buy a house. . http://activerain.com/droplet/5bSG