The Buying Process



Once you have found the home you can see yourself in, there are several steps to the buying process you will go through before you can officially call it yours. 

Make Sure You Are Ready

  • Make sure you are prepared and ready 
  • Review income and expense status over the past few years 
  • Decide if it’s a good time for buying a house. 

Get Your Finances In Order

  • Check your debts and income

  • Calculate how much house you can afford on your own

  • Don’t forget to consider HOA fees

Find The Right Lender

  • Search and choose right lender for you

  • Compare mortgage origination fees

  • Get different loan estimates

Begin Your Home Search

  • Consider your expectations and criteria

  • Think long term, career and family goals

  • Ask any questions you have

Make an Offer

  • Make sure the home is right for you

  • Submit purchase and sale agreement to listing agent

  • Add dates you’d like to close on and preferred move-in dates

  • Let your real estate agent help you manage negotiations

Home Inspection

  • Choose the home inspector and pay for the home inspection

  • Go over each item line by line and look for major issues

  • If there are big and expensive problems at home, consider the offer

Home Appraisal

  • The buyer pays for the appraisal

  • Appeal if you think the appraiser made a mistake

  • Don't stress if it's worse than you expected

Negotiate Repairs

  • Negotiate repairs, if repairs are expensive ask for a credit

  • Identify repairs that need to be made before closing

  • If you can't agree with the seller, review your offer

Final Walkthrough

  • Make sure home is in the same condition it was when viewed

  • Review your repair requests

  • Check home systems before closing day

Closing Day

  • Signing final documents

  • Prep for closing

  • Make the sale official

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