Owning your own home is the American Dream. And that dream is more alive today than ever before. Yet one of the first realizations a prospective home buyer often comes to is that the “dream home” does not always seem affordable.

Buying a home has changed. Before, buyers usually shopped for the best house they could find, then “took out” a loan. Today, prospective buyers must shop as thoroughly as they can for the best financing as they do for the best house. In today’s market, both tasks are equally important.

Experience has taught us that the buying process involves common stages for all homebuyers. To help you understand that process, and make the most of every day and dollar you spen

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