First decide on your non-negotiables: How many bedrooms do you need? What about backyard size and features, proximity to schools or work, or neighborhood features? 

Then decide what would be nice to have, but isn’t necessarily a dealbreaker, like landscaping, a pool, or specific décor. 

When defining your wants and needs, think about which items are personal preference vs. which would add value to your home.

Before your first house-hunting appointment, make a wish list or search online for a helpful home-buying checklist. Some of the nice-to-haves can be added later, when your budget allows. Don’t go overboard and spend more than you need to.

Determine your budget and what you can afford, especially your cash reserves for a down payment. A good rule of thumb is to look at homes priced at two to three times your annual income, keeping in mind that each homebuyer’s financial scenario is unique. Be careful not to take on a mortgage you’re not comfortable you can afford.

Prepare for your house-hunt. Write down your wish list, including features you must have vs. features that would be nice to have and location and/or neighborhoods you want to consider.

Find a good mortgage lender with an excellent reputation and get prequalified You can get started by researching United Bank’s mortgage loan officers.

Research homeowner’s insurance. Do you need additional coverage for floods, tornado, wind damage and wildfires that aren’t covered by basic insurance?

Consider hiring a real estate agent to help you in your search or start house-hunting on your own.

When you find the right home, make an offer.