Buyer Guide

Ready to Buy a Home?

Buying a home is an exciting journey, but understanding the process can help make it smoother and less stressful. From getting your finances in order to finally holding the keys to your new home, each step plays a crucial role. Here’s what to expect along the way.

Step 1: Finances

Before beginning your home search, it’s essential to get your finances in order. Start by reviewing your credit score, setting a budget, and determining how much house you can afford. Getting pre-approved for a mortgage strengthens your offer and shows sellers that you’re a serious buyer. A trusted lender can walk you through loan options and help you understand closing costs, down payments, and monthly mortgage payments.

Step 2: Home Search

Once you have a clear budget, the exciting part begins—finding your dream home! Work with a knowledgeable real estate agent to explore neighborhoods, compare properties, and schedule showings. Your agent will help refine your search based on your priorities, whether it’s location, home size, or specific amenities. Be ready to act quickly in competitive markets, as desirable homes can go fast.

Step 3: Under Contract

When you find the right home, your agent will help you make a strong offer. If the seller accepts, the home goes “under contract,” and the buying process officially moves forward. At this stage, you’ll submit an earnest money deposit, finalize mortgage details, and prepare for the next critical steps, including inspections and appraisal.

Step 4: Due Diligence

During the due diligence period, you’ll conduct home inspections to uncover any potential issues with the property. If needed, you can negotiate repairs or credits with the seller. The lender will also arrange an appraisal to confirm the home’s value. This step is crucial to ensure you’re making a sound investment before moving to closing.

Step 5: Closing Time

As the final step, you’ll review and sign all necessary paperwork, finalize loan details, and pay closing costs. Once everything is complete, the keys are yours! Your agent and lender will guide you through this process to ensure a smooth and stress-free closing. Congratulations—you’re officially a homeowner!

Download my FREE 90 Days to Homeownership Guide!

Ready to begin your home buying journey? Download my FREE 90 Days to Homeownership Guide and get a step-by-step guide of the entire home buying process.