Choosing your real estate professional is, perhaps, the most important decision you will make when buying property. I believe the better your understanding of the market the better qualified you will be to make sound decissions. With my help we should preview at least 6 homes, this is the only way to learn the market.

However, no matter whom you choose, these simple tips will help you find and purchase the home of your dreams more quickly and efficiently. If you're a first-time buyer you can find more information here.

Before you shop:

Be a smart consumer. Learn the financing basics. Know how to shop for a home loan that's right for you.

Get pre-approved. This takes very little time and lets you know the price range that fits your lifestyle.

Know what you want. Make two lists the "MUST HAVES" and "IT WOULD BE NICE.

Keep your debt load to a minimum. Don't make major purchases or incur any additional debt until after your purchase. Pay down credit cards and don't apply for new ones. Remember, financial institutions evaluate your financial situation on your gross monthly income. Your total monthly house costs should not exceed 28 percent of your gross monthly income.

Be prepared to view new properties quickly. Sometimes homes sell quickly, so be ready to make fast decisions. Be accessible to change the terms.

Have instant access to your agent. Instant communication can mean the difference in purchasing the property of your choice.

Before you buy:

Submit a strong competitive offer.

Include a substantial earnest money deposit. Sometimes offers are accepted based on the amount of the deposit.

Try to minimize the number of contingencies. Fewer contingencies mean a stronger offer.

Hire an inspector. A professional building inspector will list any defects or safety issues that are appearent during the inspection. All listed defects are negotable.

Check zoning regulations and covenants. Most residential neighborhoods will be zoned to keep out commercial and industrial users. Read any restrictive covenants and make sure they fit your lifestyle.

Be clear what items remain after the sale.
Your contract should be very specific about which items (appliances, etc) are included in the sale.

Reduce all agreements to writing. Make certain verbal agreements are written into the final contract to avoid any stressful and expensive issues later.