Your complete roadmap from pre-approval to closing day. We'll guide you through every step of the home buying process.
Get StartedDiscuss the type of home you're looking for, including style, price, and location. This is also the time to sign the Buyer Representation Agreement, a crucial move that lets your agent fully commit to finding your dream property.
You will need pay stubs, W2s, and bank statements. Knowing what you can afford is critical to a successful home shopping experience.
The fun part! Your agent will schedule showings and help you find the perfect home that meets your criteria.
Your agent will prepare the offer based on the price and terms you choose, leveraging market data to position you competitively.
It may take a few tries to get it just right, but hang in there. The contract provides you with a timeline to obtain financing and time to inspect the physical condition of the home.
You and the seller have agreed to the price and terms. The home is effectively held for you until closing.
Perform due diligence, order the appraisal, conduct an inspection, and review terms with the lender. Your agent will be managing this entire process for you.
This is the transfer of funds and ownership. A title company or attorney typically acts as an independent third party to facilitate the closing. Congratulations — you are a new home owner!
Preparing to buy a home is exciting, but being ready is key. Consider your financial situation — down payment, closing costs, and mortgage pre-approval — along with what matters most in a home and neighborhood. With this preparation, I'll be able to help you find a home that fits both your current needs and future plans.
This typically ranges from 5% to 20% of the home's purchase price. Do you have enough for a down payment? If not, consider:
Estimate and budget for closing costs, which typically range from 2% to 5% of the home's purchase price. Consider:
Secure pre-approval to understand your budget.
Research and budget for homeowner's insurance.
Look into the property tax rates and assess how they might change with future development in the area.
If you're applying for a home loan, your mortgage lender will want to examine your financial life in depth to ensure that you meet all of their underwriting guidelines and can afford your new mortgage payment. Throughout the approval process, you can expect to be asked for documents that substantiate different aspects of your income, work status, and expenses.
For all borrowers on the application, you'll need to collect:
For all borrowers on the application, you'll need to collect:
As the anticipation builds towards closing day, ensuring a seamless transition requires thorough preparation. From securing the keys to making moving arrangements, careful planning is essential to making this significant milestone a joyous and stress-free experience.
Whether you're a first-time buyer or an experienced investor, I'll guide you through every step of the process.
Get Started