Have your finances in place Prepare your deposit and Loan Approval Letter
Before looking, talk to your lender and know ahead of time how much money you will have to spend, including down-payment, closing costs, and potential customization and/or upgrades. Decide which loan option is best for you and have the lender prepare approval letters. Doing so before searching save time and energy by narrowing your choices to homes you can comfortably afford. It also brings power to the bargaining table, because you are a strong buyer who can close a deal quickly. This can save you money and time.