Phase 1. Save for a down payment. Create a budget and do your research, there are lots of low down payment options available.

Phase 2. Know your credit score. Learn your score, clean up outstanding debts such as student loans, and credit cards.

Phase 3. Find an agent. Contact a professional local agent to help guide you through the process.

Phase 4. Get Pre-Approved. Differentiate yourself as a serious buyer and have a better sense of what you can afford.

Phase 5. Find a home. Work with your agent to find a home within your budget.

Phase 6. Make an offer. Determine your price and negotiate the contract.

Phase 7. Have a home inspection. Address any hidden issues in the home with the seller.

Phase 8. Get a home appraisal. Ensure the property is worth the price you are prepared to pay.

Phase 9. Close the sale. Schedule a closing date once the loan has been approved to  sign the final paperwork.

Phase 10. Move in. Your Dream Home Awaits.