If you're reading this, you're either thinking about, or you're in the process of buying a new home. You've selected a terrific real estate agent, who comes highly recommended, knows the market inside out in your preferred neighborhood, is a sharp negotiator and has an action plan to help you find the home of your dreams. Here are some simple suggestions to help you work most effectively with your agent:

First, get pre-approved for a mortgage. Realtors today are swamped with buyers ready to move into their dream homes. One call to a reputable mortgage lender, or one click online, will help you get pre-approved and ready to shop.

Second, stick with one agent. Don't work with multiple Realtors. If you visit an open house without your agent, sign the guest list and write in your agent's name and telephone number. If you spot a new for-sale sign or a new listing on a Web site, ask your agent to get you the details. Your agent will work harder for you if you're loyal.

Third, know what you're looking for. Before you start househunting, write down what you must have and the things you'd like to have. When you start looking at houses, be specific about what you like and don't like in each home.

Fourth, be open-minded. Realtors like to work with imaginative buyers who can see beyond hideous wallpaper and dead landscaping. Your perfect home could be hiding behind a décor you can't stand right now. Talk with your agent about what it would take to upgrade, remodel or redecorate an unappealing home that just happens to be in the right neighborhood and your price range.

Fifth and finally, be ready to act fast. Some buyers want to move into their new home within a few months. Others won't be ready to start packing for a few years. People who are planning to move soon will become a high priority for most real estate agents. Also, buyers who don't have to sell a house first in order to buy a new home will get more attention from their Realtor.

If you're considering buying a new home and have questions about which mortgage program is best for you, Cendant Mortgage can help you with your financing decisions! Cendant Mortgage offers a variety of mortgage products that are tailor-made for your homebuying needs. Our mortgage consultants will help you decide which product fits your financial profile and will help you with a same-day loan decision so that you can have your mortgage process completed faster than ever before.

At Cendant Mortgage, our philosophy is "Where customers become part of the family." Our expert mortgage consultants treat each customer like a brother, sister or close family friend.

To find out more about how much home you can afford, or any other information about the mortgage process, please call or visit your local Coldwell Banker office.