Buying a house can be a very stressful process because it is such a big decision one needs to make. In order to be fully satisfied with your choice, you have to take numerous steps to make the right decision. First step of course is to figure out your finances, look at your revenue and expenses and decided whether or not you will be able to afford to purchase a house. Make sure to get a copy of your credit report, fix any problems you find and try to correct past debt issues if possible. Decide which neighborhood you would like to commit to. Make sure crime rates are low, school district is great and home values are increasing. Before making decisions, it is very important to get pre-approved for a mortgage. Even if you can’t put down the 20%, there are many lenders who are willing to offer you a mortgage with a down payment of as little as 3%. Negotiating your home price is an essential part of the home buying process. Do not hesitate to get professional help, hiring an agent gives you someone you can turn to that has valuable knowledge about the bidding process. Lastly, do your homework. Figure out what the sales trend has been in the neighborhood. If the houses have been selling for 5% less than the asking price, you should bid 8% less than the selling price. If all goes as planned, close the sale and move in!