Buying a home can be a daunting process, especially for first-time buyers. Independent Community Bankers of America offers several tips for simplifying the process. ICBA recommends that potential buyers first closely analyze their earning and spending habits, and then meet with a banker to discuss financial options before beginning to look at homes on the market. Buyers should prepare two years worth of paycheck stubs, W2 forms, tax returns and investment statements in order to expedite any loan or mortgage applications. ICBA also advises future homeowners to be aware of their FICO score and if necessary, take action to improve it before applying for any loans. More here