1. run the numbers
2. save 20% for a down payment
3. use the rent vs buy calculator from new york times
4. be an informed buyer
5. obtain copy of your credit report
6. get pre approved for your mortgage
7. find an agent
8. hire a real estate attorney
9. get an appraisal
10. schedule a home inspection
11. start with a fair offer
12. purchase homeowners insurance
13. review your hud statement before closing
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