Hi Nader, first and formost you need to get preapproved. It is imperative in this market to be totally ready. While you going thru the process, start prioritizing your wants and needs in a home. Also be aware in todays market you will need about 20% as a Down payment , hence that will give you an idea what you will be able to buy. Even though you make $100k which might be very impressive for some one of your age, unfortunately in BH & Bel Air it does not give you a lot of home buying power, hence you might want to consider a Condominium or different location. Either way do not get discouraged your are young and keep saving and keep increasing your earning power to reach your goals. Keep the goal in front of you, if you can see it you will reach it. - Fri Jul 31 2009, 16:38