The purchase of a home is one of the biggest decisions any person can make, and many first time home buyers are intimidated by the home buying and mortgage application process. Those considering the purchase of a first home should check to see if there is a housing association in their area.

Housing associations can provide very valuable help to homeowners when it comes to understanding the mortgage application, home buying and home inspection process. If you are unsure where to find such an association, you may want to check with your real estate agent, or look in your local phone directory. Housing associations are usually nonprofit companies, and they can provide valuable help at little or no cost to the homeowner.

Making the most of your home is important, since a home is such a very important investment. A home can be much more than just a roof over your head. A home can give you a solid financial base to pay for your children's education, or even your retirement.

The importance of a home as an investment is one more reason to seek out the advice of a qualified housing association. A good housing association can provide the information it takes to understand the sometimes mystifying terms used by mortgage bankers and lenders.

Housing associations often hold classes for first time homeowners, often at a local high school or community college. These classes provide invaluable information on how to select a home, how to have it inspected properly, how to make an offer, and how to qualify for a mortgage loan.

The housing association may also provide valuable information on how to handle basic home repairs and take care of other things that used to be done by the landlord. These classes are very important, and all potential home buyers should take advantage of the opportunity to learn about and explore the home buying process.