These are the common tips before you look at homes, so that you are not frustrated. 1) strengthen your credit score and 2) Figure out what you can afford. These go together because to get the answers, you need to talk with a knowledgeable mortgage broker, who is willing to help you. 3)Save for the down payment and closing costs. Depending on the discussion with the mortgage broker, your down payment could be Zero, 3.5%, 5%, 10% or 20%+. You can figure roughly that your closing costs will be about 6% of the purchase price. 4) Build up a reserve over and above what you will be spending in tip 3 to make the banks feel comfortable giving you a loan. 5) Put together a list of the likes and dislikes you have about a home and number them from best to least.
This will help you when you discuss with your Realtor, what you would like in a home. This will help the Realtor when he or she puts together the search parameters for the MLS, so that you are not looking at homes that you do not want or like.