1. Ask friends or family. People who know you well are in the best position to recommend an agent who is right for you.



2. Ask how they network. An experienced agent will often be part of a vast network of real estate professionals. This can sometimes help you find a home before it's even listed.

3. Create a "need vs. want" list. Make a spreadsheet or checklist of the things you need in a home, versus the things you want. Print a copy for each house you visit and check items off.

4. Practice self-reliance. Don't over-rely on your agent when it comes to finding a home. Get out there and do some hunting yourself. It's a necessity, but it's also exciting!

5. Feel free to snoop (sort of). When house hunting, it's okay to peek into dark corners, basements, storage sheds and the like. Respect the owner's privacy, but see the whole house.

6. Consider shopping, dining and the like. Is the home near the places you frequent, or will it be a long drive?

7. Visit during rush hour. Is the home hard to access or exit during rush hour? Is there a lot of traffic noise?

8. Bring a "disinterested witness." A level-headed friend or family member will help you judge the pros and cons of each home.

9. Bring a notepad. Jot down some notes about each home, and label each page by address.

10. Play home inspector, casually. The full inspection will come later, but you should at least give the "big ticket" items (roof, heating system, etc.) a glance when visiting.

11. Use your agent's experience. It might be your first offer, but your agent has probably seen dozens.

12. Move quickly (but cautiously) in seller's market. Delays can cause a home to slip through your fingers.

13. Read up on RESPA. The Real Estate Settlement Procedures Act protects you from unethical lenders. Familiarize yourself with it.

14. Consider paying points. A point is one percent of the loan amount. Paying points can lower your interest rate. Look into whether or not it's a good idea for your situation.

15. Factor in PMI. If your down payment is less than 20% of the loan amount, you'll probably have to pay private mortgage insurance (PMI).