The pre-approval process should be your first step, when making the decision to buy a home, you should first consider your finances! Know where your credit scores stands and know if you are credit-worthy. If you don't have a lender, talk with a local Realtor, they will typically refer you to at least 3 lenders and allow you to determine which one is the best fit for you. The mortgage loan officer will pull your credit and other pertinent financial information to determine how much home you can afford. Once you are pre-approved you can now get with you Realtor to start your home search!