Buying a home is one of the biggest investments most people will ever make.  You gain equity in the home, simply by making monthly mortgage payments.  Home ownership also helps you establish financial credibility, gives you security against inflation and provides benefits on your yearly personal income taxes. 

Owning your own home provides you with more independence and privacy than renting.  You are free to paint walls, plant flowers, keep pets and anything else within legal bounds. 

You can improve the home's value by making enhancements and upgrades.  A home reflects its owner's values and lifestyle and will provide you with an ongoing source of pride, enjoyment and satisfaction.   

So, you've decided to buy a home.  What happens next?