When you are buying your first home, one important factor to keep in mind is: don't let your dream home outweigh the size of your pocket book.
Think of it, what if all the money you had went into the purchase and mortgage payments for that wonderful home? There wouldn't be much left over for minor repairs, a night out, vacations, new furniture or any of the little things that go wrong from time to time. And when that happens, your dream can suddenly become a nightmare.
Being over-extended financially is the quickest way to destroy the excitement of home ownership and to add unneeded stress to your life.
Smart home-buying means knowing what you can afford and being practical about it.
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