Buying a home will probably rank as one of the biggest personal investments one can make. Being organized and in control will contribute significantly to getting the best home deal possible with the least amount of stress. It's important to anticipate the steps required to successfully achieve your housing goal and to build a plan of action that gets you there.

Before you can build a plan of action, take the time to lay the groundwork for your decision-making process.

First, ask yourself how much can you afford to pay for a home. If you're not sure on the price range, find a lender and get preapproved. Preapproval will let you know how much you can afford so that you can look for homes in your price range. Getting pre-approved helps you to alleviate some of the anxieties that come with home buying. You know exactly what you qualify for and at what rate, you know how large your monthly mortgage payments will be, and you know how much you will have for a down payment. Once you are pre-approved, you avoid the frustration of finding homes that you think are perfect, but are not in your price range. Having a pre-approval in hand when you find the house you want to make an offer on also helps to legitimize your offer in the eyes of the seller.

Second, ask yourself where you want to live or if this is an investment purchse or second home, what is the best location for you and/or your family. Things to consider:

* character of each town
* convenience for all family members
* distance to nearest beach or fresh water pond
* can you get anywhere without going out onto Route 6
* proximity to work and school
* how close to the bike trail
* types of homes in neighborhood
* proximity of neighbors/ National Seashore
* private or town road/dirt road or paved road
* what is the houses rental income