Congratulations! You have decided to purchase a home, or are thinking about buying one. You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage, not a landlord's. The equity you earn is yours. Over time, your home will increase in value.

This step-by-step guide provides you with all the information you need to make an informed purchase. We've done the work so your home buying experience will be easy and enjoyable. This collection of over 30 articles explains all aspects of the home buying process including evaluating needs and wants, choosing a realtor, arranging a mortgage, viewing homes, making an offer, closing and moving.

In this Home Buyer's Guide, you'll find the information you need to make a wise buying decision. We'll take you through the planning process step-by-step, to help you determine which home is right for you. You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Pre-shopping
Before you start shopping for your home, why not give some thought to your lifestyle, the features you need and want, affordability, and the neighborhoods you prefer. With the information you'll come closer to finding your perfect home--sooner!

Arranging a mortgage
Most people require a mortgage to purchase a home. This section explains the elements of a mortgage including type, terms, and how to qualify for one. In addition, choosing the right mortgage for your needs can help you retire this financial obligation sooner.

Viewing Homes
This section gives you some advice on making the most of your viewing experience. When you separate emotion from facts, and the condition of the house, you'll be in a better position to purchase a home that meets both your needs, and your budget. You can also avoid any costly errors that could lead to future problems.

The Offer
This section explains the components of an offer and how it forms an essential part of your purchase.

Closing
Buying a home is a complicated process involving a buyer and seller, and lawyers for each of these parties. This section will explain the importance of a home inspection, title transfer, appraisal, and surveyor, to ensure you are legally protected.

The Move
While moving is inconvenient and disrupting there are some ways to make the move more manageable. You might even save some money in the process.