How to buy a house: 13 steps to getting the keys to your new home

If you're looking to buy a house, follow these 13 steps to simplify the process. Start by determining how much you can afford, considering your monthly salary and debt-to-income ratio. Be financially prepared with a down payment, pay down debt, check your credit score, and maintain a cash cushion. Save for your down payment, shop for mortgage lenders, and get preapproved. Find a buyer's agent, search for homes, make an offer, schedule inspections, shop for insurance, choose a lender, do a final walk-through, and close on the loan.