As for choosing a real estate agent, we started by just going to open houses that seemed like plausible (i.e. in our price range) properties for us. In talking to (or in the case of a few talkative ones, just listening to) agents, we chose one who we thought was knowledgeable and seemed patient with a couple of complete newbies to real estate. That worked OK. It was really nice to have a "buyer's agent" because of our lack of experience with the process, so I'd recommend working with someone willing to do that. By the time we did our second house transaction (involving a sale as well as a purchase), the first agent was no longer in the area, so we acted on a suggestion from a colleague. This also worked just fine. As for a lender, we started with the financial institution where all of our money already was; they offered a good (for 1993) rate. We refinanced the mortgage on that first house like five years later. Our second transaction we also did with our current financial institution - though for reasons too long and off-topic to get into here, we didn't need as large or as long a mortgage this go-round. If you haven't already, start thinking about what's most important to you in a house - large and small details. Minimum square footage? Any style but a ranch? Minimum bedrooms/bathrooms? Size of yard? How much fixing-up are you able/willing to do? Is it a dealbreaker if you have no garage? No dining room? No laundry chute? (Remember, I said small details too.) You and your wife could each make a list of things that are important to you, share the lists, and decide together what you most want and (just as importantly) what your dealbreakers are. Then as you start to go to open houses, you can more quickly assess which ones you really want to pursue and which can be bypassed. It can be frightening and definitely stressful at times, but I really like being a homeowner. Remember, it's productive debt.