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Buying a house is a serious thing and if you’re on the hunt for a new home, it’s important to make smart decisions.

One of the biggest mistakes people make is buying a home they can’t afford. It’s important that you consider what the mortgage payment is of course, but you also need to factor in insurance, taxes, upkeep, monthly bills and any renovations that will need to be done. Sure, you might have enough to buy the home, but you don’t want to be spending every last dollar once you move in.

Another mistake people make is buying a home too quickly, even when it doesn’t meet the hopes and dreams on their “wish” checklist. Now, this doesn’t mean you are definitely going to get everything you want in a home, but don’t be discouraged after one day of looking. By not doing your due diligence, you could see your dream home become available soon after and by then, it will be too late. Try to make a list ahead of time of what you really desire and what you’re willing to give up if the price is right.

A big mistake that people make concerns finances. Never buy other high-priced items like cars or big appliances that could send up a red flag on your credit when in the midst of looking for a new home. To be safe, don’t make any large purchases for about six months prior to beginning your home search.

Another common mistake is shifting your money around too much, meaning taking money from one account and moving it to another, be it stock, mutual funds, a 401K or just another bank account. The problem is that when a lender goes to look at your financial history, there will be lots of big withdrawals and deposits that need explanations, and it could cause a mortgage provider to back away from the deal.

Buying furniture might seem ok, but even those big-ticket items could cause some problems when mortgage lenders review your finances. And besides, without knowing the house you’re going to buy and the rooms available, you might buy furniture that doesn’t fit in with the style of the home, or worse yet, doesn’t fit.

Never quit your job just because you decide to move to a different state because finding a new home could take time and the mortgage company isn’t going to be too happy if they find out you don’t have steady income. Of course, you’ll get a new job in your new locale, but if you don’t have a place to live yet, this just doesn’t make any sense.

Buying a home is an important decision and one that needs to be done with the correct mindset. Talk with experts, read up on tips and don’t do anything too hastily. A savvy buyer will be happy in a new home for a long time.

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