The Home Buying Process
It can feel intimidating — but once you know what to expect, it's actually pretty simple. Here's how we'll do it together.
From first look to move-in day
Knowing what to expect lessens the stress and helps you act with confidence when the right home appears. Follow these steps and you’ll be ready to make a strong offer.
Check your credit
Pull your free annual credit report first — your score shapes your interest rate and which loans you qualify for. 720+ is strong; FHA can go as low as 580.
Decide on a budget
Figure out what you're comfortable paying each month, not just what you qualify for. Use an affordability calculator and factor in taxes, insurance, and upkeep.
Find an agent you trust
Your agent is your lifeline through the whole process. Check reviews, ask for referrals, and pick someone who communicates the way you want.
Get pre-approved
A lender pulls your credit and gives you a letter stating how much they'll lend. Pre-approval makes sellers take your offer seriously.
Start looking at homes
With your prep done, we'll target the right homes and areas — and I'll surface listings (and coming-soon properties) that fit what you're after.
Make an offer
Once you find the one, I'll help you craft a competitive offer based on the market, the right contingencies, and your best interests.
Home inspection
An inspection uncovers hidden issues and gives us negotiating power. It's also your last look inside before closing — measure everything.
Insurance & utilities
Lenders require homeowner's insurance, and you'll want utilities live for move-in day. We'll make sure nothing slips through the cracks.
Close on your home
At closing you'll review and sign the paperwork that makes the home officially yours — with me there to make sure everything is right.
Move in!
You've reached the finish line. Your contract sets the exact move-in date — then you get to make your new house a home.
Now that you know the steps, see the upside — the benefits of owning a home, and the loan options that fit you.