There are many factors to consider before you commit to buying a home, particularly in the current housing market.

In his new e-book "Your Bottom Line: 50 Steps to Firm Financial Footing", Rick Shaffer, a Boston-area attorney and host of the "The Money Show" on 96.9 WTKK-FM (Sat. 1-4; Sun. 9-Noon), explains the most essential tips to homebuying.

Mr. Shaffer has written on financial issues for The Middlesex News, The Boston Globe, the Boston Herald and S&P Personal Wealth.

The following are excerpts from his book's section on Real Estate.

For more on Mr. Shaffer's book and radio program, visit bestmoneyinfo.com.