At a Glance
The Home Buying Process
Get Pre-Approved
Know what you can afford before you start looking. A lender reviews your finances and gives you a pre-approval letter or proof of funds up to a certain amount. This is your ticket to knowing how much you are able to spend. A good lender will help you determine how much house you can afford, not just what you are qualified to spend.
Start Your Home Search
With a pre-approval in hand, you can start exploring neighborhoods and touring open houses. This is your chance to identify what matters most, from size and layout to location and amenities, and to get a feel for the lifestyle each property offers. Also, window shopping using online home search tools can help you get an idea of what your budget will afford so you can narrow down your must-haves and dream features.
Partner with an Agent
Working with an experienced agent makes the process much smoother and less stressful. They help you find the right homes, evaluate neighborhoods, negotiate the best deal, and manage all the paperwork. Beyond logistics, a great agent provides guidance and support every step of the way, giving you confidence and peace of mind as you navigate your first home purchase.
Making An Offer
Once you find the home you love that meets your budget, it’s time to make an offer. Your agent helps you craft a competitive offer that balances price, terms, and contingencies. They negotiate on your behalf and advise you on strategy, ensuring you have the best chance of securing your dream home without overpaying. Sometimes you will make offers on a few homes before having an offer accepted. Sometimes you get the first one!
Inspection & Appraisal
After your offer is accepted, a home inspection and appraisal protect your investment. The inspection uncovers any potential issues with the property, while the appraisal confirms its market value for your lender. These steps give you confidence that you’re making a smart purchase and provide opportunities to address concerns before closing.
Closing Day
Closing day is when all the pieces come together. You’ll review and sign final paperwork, pay closing costs, and officially take ownership of your new home. Your agent and lender guide you through the process, making sure everything is complete and accurate, so you can walk away with the keys in hand.
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