Finding an experienced real estate agent is crucial. Working with an agent can provide you with professional guidance, help avoid blindly selecting properties, and ensure a smooth buying process. An agent will understand your needs, assist you in finding homes within your budget and expectations, and offer valuable advice free of charge.

Negotiate with multiple mortgage lenders to obtain pre-approval for a home loan. By communicating with lenders, you can compare different loan options and select the most suitable lender and interest rate for you. Pre-approval for a loan will make you more competitive in the home buying process and also help you determine loan amounts and repayment rates.

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Review and improve your credit situation. Credit scores are a crucial factor in determining whether you can secure favorable loan terms. If necessary, take steps to improve your credit score, such as timely debt repayment and controlling credit card usage. A good credit history is essential for obtaining low-interest loans, so ensure your credit situation meets the requirements of lenders.

Determining the area you want to live in is also a crucial step. Factors to consider include commute convenience, school quality, community amenities, etc. By comparing and researching different areas, you can better choose a suitable location for yourself and your family, thereby improving your quality of life and meeting personal needs.

Careful financial management is also an essential aspect of the home buying process. During the home buying period, avoid making decisions that could affect your credit score, such as applying for new debt or credit cards, to ensure stability. Maintaining a sound financial situation will help you obtain more competitive loan terms and smoothly complete the home buying transaction.