Got any questions?
Buying a home is exciting—but it can also feel overwhelming if you’re not sure what comes next. Here’s a step-by-step guide to help you understand the process from start to finish.
1. Do a Little Research
Start by browsing homes online in the areas you’re interested in. This gives you a sense of prices, neighborhoods, and features you like—and helps you shape your wish list.
2. Know Your Budget
Use a mortgage calculator to estimate monthly payments and factor in other costs like taxes, insurance, and utilities. This way, you’ll know what fits comfortably within your budget.
3. Get Pre-Approved
Before you start shopping seriously, talk to a lender. Gather your documents—pay stubs, tax returns, bank statements—and get pre-approved. This shows sellers you’re a serious buyer and helps you move quickly when the right home comes along.
4. Find Your Agent
The right real estate agent is your guide, advocate, and partner throughout the journey. They’ll help you narrow your search, understand the market, and negotiate on your behalf.
5. Start Touring Homes
Be patient—sometimes the perfect home pops up right away, other times it takes a little longer. Share honest feedback with your agent so they can fine-tune your search. You never know—a friend or family member may even hear about a home before it hits the market!
6. Make an Offer
Once you’ve found “the one,” your agent will help you write a strong, competitive offer that makes sense for your budget and the market. Don’t forget to factor in closing costs, usually 2–5% of the purchase price.
7. Negotiate & Get Under Contract
There’s often some back-and-forth on price and terms. Once both sides agree, you’ll put down an earnest money deposit, and the home goes under contract.
8. Schedule an Inspection
A home inspection is essential to make sure there are no hidden surprises. If issues come up, you can negotiate repairs, request credits, or even walk away if needed.
9. Closing Day
After final loan approval and a stack of paperwork, you’ll sign the dotted line, grab your keys, and officially become a homeowner. Congratulations—you did it!
