investment, you must maintain emotional control and make practical decisions based on your budget and situation. The best approach? Pre- approval by a proven, experienced, qualified, and reputable mortgage lender — like me — with whom you work closely and carefully to determine the appropriate budget for a mortgage loan. STEP 3: CREATE A LIST OF NEEDS VS. WANTS Essentially, you need to determine what is most important to you in a home — the non-negotiables — vs. what you’d like to have in a home — things you might need to let go of. In other words, figure out what you need in your home (think number of bedrooms or bathrooms, yard, garage, basement, etc.) vs. what you want in your home (such as a fenced-in yard, gourmet kitchen, deck, walk-in closet). Then, write these items down when you’re shopping for a home. This will eliminate a lot of wasted time and energy looking at homes that don’t meet your criteria, and your budget, and will bring you that much closer to finding the right home for you. Keep in mind that no home is perfect. Be prepared to make some concessions, and remember that your ultimate dream home might be out of reach — for now. Nobody said that
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