There are a million and one things to do before buying a house but to make it simpler we’ve provided you with an easy to understand checklist of things to do and consider before purchasing a home.

1. Analyze your financial situation: Before deciding on what type of house to buy or where to buy, this step is the most important. Figure out how much money you have and want to spend on down payments, mortgage installments and other service fees.

2. Familiarize yourself with all mortgage terms: Search online to understand mortgages and things to consider when buying a house. Learn about the fees involved in mortgage payments and how banks, mortgage brokers and mortgage lenders work.

3. Find out how much mortgage installments really cost: Talk to a financial colorado springs home mortgage consultant from a bank or a mortgage broker on mortgage plans they have to offer.

4. Compare mortgage rates and plans: Write down and compare all different types of mortgage plans, payment methods and installment amounts.

5. Choose the best plan: There are plans that can save you lots of money; it’s just a matter of calculating it. Mortgage calculators can help you find the best payment plans. Otherwise you might end up paying more than you imagined.

6. Make a budget: See what type of house you want and how much you would like to spend on it. The biggest mistake people make is that they don’t make a budget. A budget can also save you lots of money and extra tension.

7. Contract a mortgage broker to be your agent: A mortgage broker can help you with mortgage loans that suit your financial needs. These brokers have all types of contacts and could find you a mortgage lender with the best mortgage rates on offer. They are also very helpful and provide lots of useful advice for home buyers. Look for a trustworthy broker by asking around family, friends and co-workers.

8. Pre-approve or pre-qualify a mortgage loan: This is the best way to be sure you’re eligible to purchase a home. Get a mortgage loan approved before you start looking for a home.

9. Start your search! Search for homes in your range on the Internet, through flyers, through open houses and through real estate agents. The house search could take a long time but it’s better to take your time than rush into purchasing and regret it later on.

10. Get a real estate agent: They do half the searching for you. They will save you the extra time and money spent on searching on your own. They don’t charge you anything but of course at the end they will make commission off of the home you purchase.

11. Hire a home inspector: He or she will evaluate the condition of the house. This could help you with negotiating the price of the house. If you know the condition of the house before hand, you could save your money on spending after purchasing on fixing repairs.

12. Negotiate and give an offer: Once you are comfortable with the house, negotiate with the homeowner for a good deal. Your real estate agent will help you to negotiate a better deal. Make sure the house meets all your needs before purchasing.

13. Handle all the final details before closing day: You will need a closing agent or attorney and fill out all necessary paperwork. This is when you will need to hand your down payment to your mortgage lender.

14. Get the house keys and start moving! Arrange for a moving truck for moving day. Pack your things according to rooms and let the movers do the rest. Happy moving!