Want to buy your first home? You probably have some cash saved for a down payment and recommendations for realty agents from savvy friends. But have you cleared your credit report, hired a tax adviser, or weighed FHA financing, compared with a conventional mortgage?

Kasara Williams, 31, has taken all three steps in a yearlong quest to buy her first home. ‘‘This whole experience has taught me that it’s important to have your financial act in order,’’ said Williams, of Arlington, Va.