Make sure your credit rating is at its best. Figure out how much house you can afford. Decide what features you want in a home. Look for a home in a good neighborhood with good schools. Hire a professional real estate agent. Shop for a loan by comparing interest rates, down payments and points. Get pre-approved for the housing loan. Get an inspection of the home you want to buy. Make an offer. Sources: www.hud.gov/buying; www.cnnmoney.com

HOME SELLING TIPS

Make sure your house is clean. Remove all clutter and excess furniture. Have closets organized. Turn on lights and open curtains. Make sure windows are clean. Have an inviting aroma in the house such as the smell of coffee brewing or cookies baking. Have the lawn mowed and flowers and plantings maintained. Make sure your front door is in good shape and entryways are clear. Sources: www.hud.gov/buying; www.cnnmoney.com