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Many people consider a home as only a place to live. Others consider your home as your most major investment. Both are correct. However n o matter your leanings and viewpoint there are certain financial matters and priorities that must be considered, evaluated and prepared for before you begin your real estate shopping trip. Otherwise you are putting the proverbial cart before the horse or the home before the mortgage and financial preparations are made and secured.

Buying a home is both a very important, crucial and often stressful time. Make your life easy. Why make trouble for yourself and your immediate family. An ounce of prevention is worth many tons of cure ' let alone having to deal with lawyers and their costs. Ensure that you do all you can to avoid trouble before ' not after the home sale when the chickens come home to roost. Prepare and plan ahead by mapping and preparing your financial resources necessary for your home real estate purchase.

Having a home buyer's 'checklist' in place can really help you to keep on top of things. Remember this is a time of your life when important things can often be forgotten and can go on to make a big difference in both the purchase and the purchase price.

A home buying checklist is a practical and sensible solution that can you can ensure that you cover all the areas you need to when it comes to the important and exciting process of buying your home. For first time buyers a home buying checklist can prove particularly useful. If you are a first time home buyer not only is the whole process scary and daunting but you most likely will not no initially what to look for in terms of buying and choosing a home.

There are many things that should be covered on your home buying checklist. With your home buying checklist you should make a list of all the things that have to be covered and the jobs that need to be done, and also have a separate column where you can either tick off when the area has been covered or make notes if necessary. This will enable you to keep better track of the areas on your list, and you can make sure that you keep on the many things that you have done and looked into when it comes to purchasing your home.

Some of the area s that should be on your home buying checklist includes:

- Ensure that your credit report is in order by obtaining a copy

- Work out your income and out-goings to determine what you can afford to borrow

- Decide how much you wish to pay for your home

- Start shopping around for a good mortgage deal learning about the different types of mortgages

- Apply to a mortgage reproved

- Decide where you want to buy your home and look

Into the other amenities and facilities in the area

These are the financial checklist items that you should prepare before house and home hunting.