Start a savings account: We all know how expensive Cayman can be, but make sure you put a little something away from your paycheck every week. 5 to 10% of each paycheck should automatically be transfer to your savings account. (My savings account is not connected to my debit card, so I have to actually go into the bank to withdraw it, helps me control the impulse buys).
   
Pre-approved: Contact at least 2 local banks and arrange for an appointment with their lenders. They will “Pre-approve you”, basically tell you home much you can afford to buy. They will ask you to fill out a questionnaire and tell them how much money you make and your expenses. Make sure you pay your credit cards on time and never miss the minimum payment.

Visit @ http://www.capitalrealty.com.ky for more information on Cayman real estate.

Do research: Write down your Needs and your Wants, you will find you may have to sacrifice a few wants for a larger home or a home in a different area. Find a Real Estate Agent: Then call a full time CIREBA trained, real estate agent who will be able to find something in your budget, hopefully Capital Realty! Cayman have homes priced from CI$200,000 and up and condos from CI$119,000 and up, so stop paying your landlords mortgage and pay your own. If you don’t feel comfortable with the agent, keep looking, you will be working very closely with them and you need to have a good relationship. Make sure they LISTEN to you or else they may be showing you something you told them you hated and it is a waste of your time. Please do not work with 3 or 4 different agents because we have access to all the same inventory and we could show you the same property as another agent, frustrating for all!