• Determine what you can afford up front.  

• Stay committed and positive. If you believe you can buy a home, you usually can. 

• The larger your down payment, the easier it will be to find a mortgage, and your monthly payments will be smaller. 

• If you're handy with tools, consider buying a home that needs work.  

• Tell everyone you're looking for a house and then don't limit yourself to a single area. 

• Try to define what you really want and need in both the house and neighborhood. 

• Keep an open mind. 

• Concentrate on reaching your objectives.

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