You should begin planning six months prior to your move if possible. This will enable you to correct any errors in your credit report if necessary, and to deposit any funds and contributions made by family and perhaps other sources, that will facilitate in the purchase of your home.

Important items that people tend to overlook when when buying a home are those expenditures that add to regular monthly expenses especially if you need to store furniture. Remember that you'll have to pay another fee when you move your furniture from storage to your home. Additionally, at your new home those fees will include insurance, utilities, groceries, cable and probably others.

Something that most people don't know is that each time your credit is pulled your score goes down. Therefore, get your credit score from the first person who pulls it and have it with you when talking to and deciding with whom you'll place your loan. If possible, have a copy faxed to you.