Are you planning to buy your first house and lot? Did it ever occur to you of day dreaming owning beautiful house while at work? If you are, then you are not alone. There are millions of people around the world who does not have their own house until now. If you are considering of buying one in the near future, then please continue reading this article. There might be questions in your mind on how to make it into reality. Questions like, how to finance it? How many rooms do I need? Well, let me guide you to your first house and lot then.

My first step is to draw up a plan of your dream house. This requires a long range planning from you and your partner in life. You have to prepare a set of questions and options and then check the ones that you think is best. Here are the suggested things you need to do.

• Find out the maximum number of bedrooms you will need. It is dependent on the number of children you want to raise or to the number of people who are going to stay in your house. This is critical because if it turns out that you will need more bedrooms or more space on your living room, then it will be very difficult and expensive to expand your house later on. If you intend to build a big house, it is best that you seek for an Architect's professional service.

• Determine the number of toilet and bathrooms. This is dependent on the total number of occupants in you house.

• Determine the preferred sizes of the living room, bedrooms and the kitchen.

• Determine the size of your garage – This is dependent on the number of cars you plan to have.

• Determine if you need a small lot or a big one. Aside from size of your house if you are planning have a bigger garden then you need to consider the lot area of the property that you are going to buy.

• Is it a corner lot? Facing the morning sun? If you want these options, then prepare to pay a little bit more. Real Estate developers normally price it more than the regular lot and those that are facing sunset.

• Location – determine the farthest limit you will consider from your work place. Try to find a house less than an hour drive your work place. You will save money in the long run and most importantly is you save your travel time.

• It is preferred to be closer to schools, hospitals, shopping malls and parks. The value of this type of property appreciates faster.

• Determine your preferred neighborhood. Safety and security, clean, eco friendly is one of the main considerations in buying a property.

• Determine your financial capability and set up your budget range.

• Gather a list of top Real Estate Developers in your area. Compare it with your check list. Then eliminate those that do not coincide with your criteria. Choose a few of them and call the Real Estate agent for a site tripping.

• Lastly, prepare a list of reliable lending institution where you can file for a housing loan. You can ask for an assessment to find out what is your maximum lending capacity.

As a summary, yes you will need a lot of planning and preparation financially and mentally in making a decision to buy a house. The most important aspect is whether you will be safe, secured and comfortable with the property you are going to buy. You will have to consider also a clean and healthy environment. Owning your own house is one of the foundations of a happy family. I will you all to find your dream house very soon.