Identify your style

Single-family homes offer more privacy and freedom, which can be great if you need a yard for kids and pets to run around in, but require dedicated time and energy for maintenance. Condo associations often handle a lot of the outdoor work for you, but a condo might not have the green space you need for your family and you’ll pay monthly dues.

Assess the neighborhood

Be sure to browse local restaurants online, check the walkability score, and visit in-person to get a feel for the area you might call home someday. It’s also important to view the neighborhood by day/by night and during the week/on the weekend, as sound and traffic levels can vary.

Be financially prepared

Ordering your credit report and check your credit score ahead to see where you stand. Gather proof of income in the form of W2s and pay stubs. Tally the funds you have available for a down payment and closing costs. Know what you can reasonably afford for a monthly mortgage payment, housing expenses such as utilities, along with all other bills.

Hire an inspector

Get a home inspection by a licensed inspector for peace of mind and to avoid unpleasant surprises down the line. Did you know that radon is the second leading cause of lung cancer? Consider getting a radon in air test. Water testing is also recommended if the house has a private well.

Look past cosmetics

Linoleum floors, a shade of paint you hate in the bedroom, or some kitchen cabinets that need updating are all things you can change. Look for a well-built home that has the space you need, a layout that serves your lifestyle, and a price point that allows you to make some adjustments. The features you love will out-weigh any minor blemishes.

Stay flexible

Identify your “non-negotiables” and be open-minded with what can be negotiated. Could you live without hardwood floors? A fireplace? A garage? Plenty of natural light? A pool? A yard? Recognize which aspects cannot be modified and those that are open to long-term project planning.