The Home Buying Process

Buying a home is one of the most exciting milestones in life, but it can also feel overwhelming without the right guidance. Here's a clear, step-by-step look at what to expect, from getting pre-approved to finally getting your keys.

  • Meet with a lender to review your finances and receive a pre-approval letter, which shows sellers you're a serious, qualified buyer and helps you understand your budget.

  • Work with a real estate agent to identify your must-haves, must-avoids, and budget, then begin touring homes that fit your criteria.

  • Once you find the right home, your agent will help you craft a competitive offer based on market conditions and comparable sales.

  • The seller may accept, reject, or counter your offer. Once terms are agreed upon, you'll sign a purchase agreement and put down an earnest money deposit.

  • A licensed inspector evaluates the property's condition, giving you the chance to request repairs, negotiate credits, or renegotiate the price if issues arise.

  • Your lender orders an appraisal to confirm the home's value matches the loan amount.

  • Submit any remaining documentation to your lender, who will finalize underwriting and prepare your closing disclosure.

  • Just before closing, walk through the property to confirm it's in the agreed-upon condition and that any negotiated repairs were completed.

  • Sign the final paperwork, pay closing costs and your down payment, and receive the keys to your new home.

Let’s begin the conversation

Not sure where to start? That's what I'm here for. Every move is different, and I want to help you find the right path forward. Reach out with any questions, or if you're ready to dive in, schedule a free consultation today!