It often starts with taking a close look at your finances. Consider whether you have a stable income, manageable debt, and enough savings for a down payment and closing costs. It’s also helpful to check your credit score, as that can affect your loan options. If you’re unsure, speaking with a lender or real estate professional can give you clarity on your readiness and what to expect.

The first step is usually getting pre-approved for a mortgage. This helps you understand what price range you’re working with and shows sellers that you're a serious buyer. Pre-approval also helps avoid surprises later in the process. Many buyers find it helpful to meet with a real estate agent early on for guidance and to discuss what they’re looking for in a home.

While it's possible to buy or sell a home without an agent, many people choose to work with one because of the experience and support they provide. Agents help with pricing, paperwork, negotiations, and understanding local market trends. Having someone familiar with the process can reduce stress and help avoid common pitfalls, especially if it’s your first time buying or selling.