Take a look at every real estate flyer or brochure.

Aren't you captivated by the fully furnished and well-designed interiors of the featured rooms? The jogging lawn, gazebo, and swimming pool-who wouldn't want to wake up and see a resort-like landscape outside their very own bedroom window?

Such photos can easily lure anyone into imagining themselves living in those spaces. Pictures of yourself sipping freshly brewed coffee while sitting by that slick white marble breakfast nook, or your sister enjoying a good book and good rest on that Scandinavian daybed at the veranda can easily come to mind. Oh, she's got a weird taste at times. But hey, this is what you've been dreaming of. This is the house of your dreams!

And there you are, feeling butterflies in your stomach, chanting the words of a person in love: "I want to buy this." It is how we usually know that we want to buy something, when we see our personal ideal in a real thing. But when it comes to buying a house, there are more things to consider aside from wanting a specific interior or style. In other words, the capability to desire and decide is not enough.

Remember that the property will be permanently yours. Its environment and immediate community will also depend on your decision. Thus, aside from knowing that you like a certain look or size of a property, you also have to think of its location. Choose a location that suits your needs and lifestyle. If you're more accustomed to urban living and you are employed in the city, you can opt for Hagatna.

Amenities that come with the property must also be checked since these will be a part of your future life in that dream house. Moreover, take into consideration the developer of the property. Make sure that they are reliable. Another thing, think of the people you will live with or possible visitors who will drop by. Are the look, size, location, and amenities of the property going to be safe and suitable for them too?

With all those things that you have to mull over before jumping into an investment of a lifetime, your choices will be narrowed down—making you wisely choose the perfect property for yourself and your family.

And now, take a look at your wallet. Does the person on the paper bill agree with your dream? Is s/he willing to take on the bumpy financial ride of buying a property with you? Is there even a paper bill in your wallet?

Most often than not, people think that the lone expenditure they have to consider is the total amount of the property. That, of course, is heavy enough. But the truth is, there are other things, called amortization, mortgage, maintenance, association dues, property tax, and insurance that a potential buyer has to know of. Hence, one must also have the capability to afford.

Well, you need not fret. When buying something as big as a house and lot, it is not only your wallet that should be opened. Aside from opening the cliché set of eyes, ears, mind, and heart, you should also open your doors—for help.

In Guam, there a lot of companies that can play fairy godmother to you. But of course, there will be requirements and qualifications. So here are some of the programs you can apply on to make your dreams come true:

1. Guam Housing Corporation Loan Programs

   GHC provides different options to suit specific needs, like the First-Time Homeowners Assistance Program ("for first-time homeowners"), Direct Loan Program ("for families and individuals who are first time homeowners and are unable to obtain financing for purchase or construction through conventional leading institution"), 6% Loan Program ("for first time homeowners and are unable to obtain financing from conventional mortgage lending institutions"), Rural Housing Loan Program ("for eligible persons who will live in rural areas") and the VA Loan Program (for Veterans). Know more about GHC at http://guamhousing.org/loan-programs.

2. Bank of Guam Commercial Loans

   The Bank of Guam provides "flexible repayment terms, free loan application, expert advice from experienced, helpful loan advisors, personalized attention from start to finish, local approvals, processing, and quick responses and automatic payment option". You may read about further details at http://www.bankofguam.com/business/loans-credit/commercial-loans.html.

3. ANZ in Guam Loans and Overdrafts

   ANZ in Guam provides Fixed Rate Mortgage, Adjustable Rate Mortgage, Construction Loan, and Land Loan which have a maximum amount of $625,500 and terms up to thirty (30) years. Learn more about them and their offers at http://www.anz.com/guam/en/personal/loans-overdrafts/home-loans .

4. BankPacific Mortgage Loans

   BankPacific, which states that "personal banking is made easy so you spend time on more important things", intends to give their clients an option between a Conventional and an Adjustable Rate Loan. "Conventional Loans have a fixed rate and monthly payment for the entire life of the loan" while "Adjustable Rate Loans usually start with lower rates than conventional loans". Compare which option is more apt for you at http://www.bankpacific.com/ploans_home.html.

5. Guam Association of Realtors Guam Loan Programs

   The Guam Association of Realtors "funds a wide range of activities that build, buy and/or rehabilitate affordable housing for rent or home ownership or provide direct rental assistance to low-income people. HOME is designed exclusively to create affordable housing for low-income households. The program's flexibility allows States and local governments to use HOME funds for grants, direct loans, loan guarantees or other forms of credit enhancement, or rental assistance or security deposits". Access their website at http://guamhousingprograms.com/cor_guam.php.

   In the end, a fight between your wallet and your dream house is not really necessary. Neither should impede you from getting what makes you happy. There is always a way for them to meet half-way and you need not be an expert to do just that. There are a lot of professionals you can consult with for sound advice, who are simply a click away.