It's a big decision, but it doesn't have to be scary. Here are 3 things you need to know before you take the plunge:

These programs can help cover downpayment, closing costs, or both. Ask your lender about your options.

Don't settle for the first offer. Compare rates, fees, and terms from different lenders. You might be surprised by how much you can save.

A good realtor can help you find the right home for your needs, negotiate the best deal, and guide you through the whole process