The Home Buyer's Checklist identifies some  important factors to consider when choosing a home. In addition to an affordable sales price, you will also want to be sure that the neighborhood and house meet the needs of your family.

The homebuying process may seem complicated, but if you take things step-by-step, you will soon be holding the keys to your own home. We, at A.S. James & Associates attest to the fact that the process can be done in nine easy steps.

• Figure out how much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The mortgage calculator may assist you but to be sure visit a Mortgage institution and speak with one of the many officers

• Know your rights and limitations

Visit our resource tips page for links to all the relevant agencies which will guide you accordingly

• Shop for a loan

Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan.

• Learn about homebuying programs

NHT loan programs offer lower downpayments and are a good option for first-time homebuyers.

• Shop for a home

This can be done in three easy steps: 1.Create a wish/need list; 2. Find a reputable real estate agent at A.S. James & Associates, Shop 15, Miel Complex, 1 Molynes Road, Kingston 10 and 3. Create a home shopping checklist that reminds of the finer details to look for in each home you view. A detailed checklist can be found at www.forsalebyowner.com/home-buying-tips.html

• Make an offer

Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale.

• Get a home inspection and or valuation

Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs.

• Shop around for Insurance

Lenders require that you have homeowners insurance. Be sure to shop around.

• Sign Papers

Make you deposit and sign papers. You're finally ready to go to "settlement" or "closing." Be sure to read everything before you sign!