Don't forget you Wallet! Get Pre-Qualified!
Would you go shopping without your wallet? Of course not! The same goes for house hunting - start your search the right way by talking to a lender first.
The lender will get you Pre-qualified. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.
While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness. The pre-qual also gives you your budget so you don't search for homes you cannot afford.
These days sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.