A pro will check the bones of the house. If they find a cracked foundation or a failing roof, you can ask the seller to fix it, lower the price, or you can walk away.

Before you start browsing Zillow for "dream kitchens," you need to know what you can actually afford.

Granite countertops, hardwood floors, or a finished basement.Remember: You can change the carpet, but you can’t change the location. 4. Find a Great Agent

Once you find "The One," your agent will help you submit an offer. This includes the price, your down payment amount, and —conditions that must be met for the sale to go through (like a successful home inspection or securing your loan). 6. Inspection and Appraisal

A "pre-qualification" is a conversation; a "pre-approval" is a commitment. Lenders will verify your income, taxes, and debts to tell you exactly how much they will lend you. In a competitive market, you shouldn't even look at houses without a pre-approval letter in hand—sellers won't take your offer seriously without it. 3. Build Your "Must-Have" List Separate your from your Wants .

As a buyer, a real estate agent is usually free for you (the seller pays their commission). A good agent acts as your scout, negotiator, and therapist. They know the neighborhood "red flags" and can help you craft an offer that stands out. 5. House Hunting and The Offer

Change the locks the very first day you move in. You never know who still has a spare key!