Ok, my husband and I are wanting to buy a house. We already have one in mind. It belongs to a friend of the family. They want us to buy it, also, because they know we’ll appreciate it. They have never sold a house, and we’ve never bought one, either. None of us are really sure where to start. Do my husband and I go to the bank first to see about first time home buyers loan? Or do we wait for them to get the house appraised first? Neither of us want to go through a realtor unless we have to. Please help! Only real responses please.