When you are in the market to buy a new home you need a critical eye. Sellers will take steps to make their homes look their absolute best, but you need to look beyond what is presented to see both the benefits and drawbacks of the property. Here are three questions to ask yourself each time you view a listing.

If you are a first-time home buyer, the news for you in most parts of the country is good. Mortgage rates are relatively low and higher inventory and lower asking prices mean market conditions are in your favor. If your finances are in order, now is the time to start that home search.

There are many variables at play during a real estate purchase; so when you have the chance to control one of those factors, it can be very appealing. That may be one of the reasons most buyers choose to "lock in" their mortgage rate.

Now the question becomes, "How do I find a qualified inspector?" Referrals are probably the best bet. Ask your real estate professional, friends and family who they recommend. But no matter who you choose, you need to ask a few key questions.

The stories of foreclosure and loss in today's mortgage crisis are painful. If you are in the market, here are five things you should do.