Using this guide will give you a head start in the mortgage loan process. By now, you have completed the budget worksheet to determine the total amount of your income and expenses. In addition, you have obtained a credit report. These steps will help you to determine whether and how much you can afford to pay for a house.

Chapter Two will introduce you to the concept of person-centered planning. You will learn how to choose a facilitator, a housing counselor/educator and a team of people who know you well enough to assist you in the home-buying process. Together with this team of people, you will develop an action plan that will help you find the house that is right for you.

Chapter Three, "Hitting the Streets," will take you through the steps of shopping for a house.

Chapter Four, "Obtaining a Mortgage," helps you prepare for approaching a lender and obtaining the necessary financing.

Remember that the hard work you do now will give you the best chance to obtain a home of your choice, where you make the decisions!