As more homes are equipped with "smart" technologies for everything from surveillance to home automation, the real estate purchase process is changing.

Home sellers are increasingly using video and/or audio surveillance to eavesdrop on potential buyers, using the information gleaned as leverage. This places the buyer at an obvious disadvantage during negotiations.

Are you a prospective homebuyer? Onto your second or "forever" home? Whatever your situation, preparing for homeownership requires you to arrange your finances so you can put your best foot forward dealing with your mortgage, taxes and home maintenance.

Before you start the process of looking for a home, consider the following:

Finding a home you know you can live with can be difficult.

Whether it's a brand-new house from a builder or a resale home, there are a number of things you should look for.