Buying a home, especially your first home, can be downright intimidating. After all, it’s likely to be the single largest purchase you’ll ever make. Plus, before you seal the deal, you’ll have to take care of a ton of tiny details.

The key to reducing stress is to take it one step at a time.

1.  Review your financial situation to determine what you can afford.

2.  Check your credit rating.

3.  Create a budget.

4.  Keep tabs on interest rates and different financing options.

5.  Get pre-approved for a mortgage. 

6.  Brush up on the local housing market. Study current and historical prices in the neighborhood  you’re   scouting. While you’re at it, investigate different home construction and maintenance options so you know what everything costs.

7.  Interview REALTORS®. Hire one you feel comfortable with and who has a good track record in the neighborhood you are interested in.

8.  Make a list of your requirements. It will help you stay focused and eliminate homes that may look great but don’t meet your needs.

9.  Shop around for the best mortgage -- consider both interest rates and terms.

10.  Make an offer (contingent on a home inspection) and negotiate a final price.

11.  Get a home inspection and appraisal.

12.  Secure home insurance.

13.  Close the deal.

14.  Hire movers, move in and enjoy your home sweet home!