Get pre qualified before looking at houses
Go to your bank and see how much they will lend you before you waste time looking out of your price range. Avoid the payment shock find out what your total monthly payment will be.When estimating monthly payments be sure to include taxes and insurance. Find out what funds will be needed at closing so you have it saved in your bank. Don't buy anything new before you buy a house. It will show up on your credit and be held against you.