Buying a home is a major decision and one that requires a great deal of thought and planning. This will probably be the largest purchase you ever make. There are many factors to consider when shopping for a home in Boston, from the neighborhood to the financing. Here are the top four issues you should keep in mind during this exciting process.

Determine Your Budget

You can go to your bank or online and get pre-approved for a loan. You’ll also need enough cash for a down payment. You’ll generally need at least 20 percent of the home’s value as a down payment. The more you’re able to put down, the better the terms of your mortgage. That’s why you should do everything in your power to raise cash as you’re preparing to buy a home. When it comes to your budget, don’t overextend yourself. Remember that buying a home entails a variety of expenses, such as taxes, utilities, maintenance and utility bills.

Choose The Right Neighborhood

Assuming that you know the city or region where you want to move, it’s important to choose the appropriate neighborhood. Naturally, you must find an area that’s affordable. Other factors to consider include proximity to work, quality of the schools, crime rate and convenience to shopping. When choosing the location, you should think beyond your own immediate needs. For example, a home that’s in a good school district is advantageous even for families without kids. This will help you get a better price if you ever decide to sell the home. It is also a good idea to look for neighborhoods that may be closer to the city. It would be a good idea to look for homes in suburbs such as Belmont and Lexington. There you should be able to find a great home for you.

Make A List Of Priorities

Decide what is essential for your new home and what is merely preferable. You may need a certain number of bedrooms, a home office, a backyard, a nice view or a certain architectural style. It’s easier to shop for a home when you’re clear about what is and isn’t negotiable. This is something you should think about and discuss at length with your family.

Find Your Own Real Estate Agent

Real estate agents have access to a large number of listings. They can help you find the home that’s right for you. If you simply call up listings you see advertised, you’ll be dealing with sellers’ real estate agents. You’re in a better position as a buyer if you have your own agent representing you. This will give you access to many more potential homes than if you searched on your own. Real estate agents, , like those at Pruitt Miller Realty Group, also learn about new homes on the market right away, putting you in the position to see prospective homes before other buyers.