Buying real estate is a complex matter and can be especially confusing for the first-time homebuyer. Do yourself a favor and learn as much about the process as you can before you begin. There are plenty of resources on the Internet, and a qualified professional can explain things in plain language. You may also be able to research the real estate process by attending community-sponsored classes, or you can take a look at several books on the subject.

As a buyer, it usually costs nothing to hire a real estate professional to help you find and purchase a home--your Realtor will likely get a portion of the commission the seller pays to his Realtor. When choosing an agent, get referrals from friends, relatives, and co-workers. Pick an agent that you are comfortable with and one that is familiar with the neighborhoods you're interested in. Listen to your agent, but always make your own decision.

It's up to you to tell your agent what you want and how you want to be involved in the home search process. Some buyers prefer their agents to handpick properties for their consideration; others want to receive the listings on a daily basis so they can comb through them on their own schedule. Always remember that you're the boss. Speaking of that, it's a good idea for ALL decision-makers to visit the properties your Realtor shows you.

Determine how much money you can raise for your down payment and how much you can afford to pay on a monthly basis. Go to a lender to find out the size of mortgage you qualify for and get pre-approved. Better yet, use a mortgage broker to find you the best mortgage rate possible. When calculating the costs of home ownership, remember to plan for homeowner's insurance, property taxes, private mortgage insurance (if required), utilities, repairs, and maintenance.

How long do you intend to live in your new home? Will you be starting or adding to your family? Do you have any special requirements such as proximity to stores, public transportation, recreation facilities, etc.? These are the sort of things you should consider when deciding what kind of housing you will need--not just now, but also five years from now. Remember, if you intend on moving again relatively soon, you should get a shorter term when choosing your mortgage.

If it's not located in a neighborhood you like, your new house will never feel like home no matter how nice it is. There are several factors that go into making a "good" neighborhood for most people. It should be safe, close to things that are important to you, and offer the services you depend on, such as schools and convenient shopping. Ambiance and curb appeal may be particularly important to you. Once you have a better idea of the areas you are interested in, find out as much as you can about the demographics, crime rate, schools, traffic, etc.

If you like the first house you see, don't be tempted to make an offer right away. You should look at least a few other houses first so you can get an idea of the homes that are available in your price range.

Normally, most of a property's value is not in the house, it's in the land. You would do well to heed the old adage of buying the worst house on the best street, not the best house on the worst street. If you buy a house that is overdeveloped compared to neighboring houses, you may think you're getting a great deal when you buy it, but you will probably have a hard time getting back what you paid for it when it's time to sell.

Always get agreements in writing. Verbal commitments are hard to prove after the fact, so make sure that all the small details are added to the purchase contract. If the seller says you can have the curtains, make sure the contract says so!

Lastly, always remember that there are no dumb questions. NOT asking questions is dumb.