• Why are you buying? (first home, upgrade, investment, retirement)

• Timeline: When do you want to move?

• Budget: How much can you afford comfortably?

• Connect with a trusted lender to learn what you qualify for.

• A pre-approval letter strengthens your offer when you find the right home.

• Understand loan options: Conventional, FHA, VA, USDA.

• Choose a knowledgeable local expert who understands your needs.

Your agent will:

• Guide you through the process

• Provide access to listings

• Negotiate on your behalf

• Keep the transaction smooth from start to finish

• Make a list of your “must-haves” vs. “nice-to-haves.”

• Explore neighborhoods, school districts, commute times, and amenities.

• Attend showings and open houses with your agent.

•  Your agent will help you decide on a competitive offer price.

•  Be prepared to negotiate on price, closing costs, or repairs.

•  Once accepted, the home goes “under contract.”

•  Inspection: Ensures the home is safe and sound; identifies repairs.

•  Appraisal: Confirms the home’s value for your lender.

•  You can renegotiate if major issues are found.

• Finalize your mortgage paperwork.

• Lock in your interest rate.

• Stay consistent with your finances (avoid big purchases or job changes).

• Review and sign all documents.

• Pay closing costs (typically 2–5% of the purchase price).

• Get the keys to your new home! 🎉

• Schedule movers and utilities ahead of time.

• Change your address and update accounts.

• Start making memories in your new home!

• Save for a down payment & closing costs early.

• Get a credit check before applying for a loan.

• Don’t skip the inspection.

• Stay patient—finding the right home takes time.