You've finally decided it's time to buy that home you've been dreaming of. You know, the one with the white picket fence, two car garage, and Jack and Jill bathroom set up for your very own little Jack & Jill. But finding your dream home takes time, effort, insight and a little more than daydreaming your lunch break away.

Here are a few things you may want to add to your dream home checklist, all related to location, location, location.

You’ve read what we have to say about Dave Ramsey's way of living and gotten your financial house in order, making you ready to begin the great house hunt. But before you dive head first into gathering your top ten list of dream homes, you may want to learn a little more about what you'll be paying for that home. 

You’ve set a budget for your monthly payments, but those payments could vary greatly depending on the interest rate you pay for a loan. And the interest rate you end up paying may vary for a number of reasons, too. 

For a 30-year loan on $150,000, the monthly payment of interest and principal at 5 percent would be $805. That same loan at a 4 percent rate would be $716 a month. It's kind of amazing to see the difference one little percentage point can make.

The interest rate you pay is largely determined by your credit score, which includes:

Everyone wants to achieve the American dream of home ownership and those homes come in all shapes and sizes because everyone's dreams vary.

It’s not often that potential homebuyers can find a wide variety of home inventory in one place, but four communities are in various stages of development in an area northwest of Kissimmee called Tapestry. The developments are just off Osceola Parkway near The Loop and within an area bordered by Thacker Avenue on the east, Carroll Street on the west and Dyer Boulevard on the north.