Buy your Home
Buyer's Guide
01.
Get Pre-Approved for a Mortgage
Before you start house hunting, get pre-approved for a mortgage. This involves providing financial information to your lender, who will determine how much you can borrow. Pre-approval gives you a clear budget and shows sellers that you’re a serious buyer.
02.
Find a Real Estate Agent
Choose a knowledgeable real estate agent who understands your needs and the local market. An agent will help you find homes that match your criteria, arrange viewings, and guide you through negotiations and paperwork, ensuring a smooth buying process.
03.
Start House Hunting
Begin your search by viewing properties that fit your budget and preferences. Attend open houses, schedule private showings, and take notes on each home. Consider factors like location, size, condition, and potential for future resale value when making your decision.
04.
Make an Offer
Once you find the perfect home, work with your agent to make a competitive offer based on comparable properties and market conditions. The offer will include your proposed price, contingencies, and a timeline. Be prepared for possible counteroffers and negotiations.
05.
Home Inspection and appraisal
After your offer is accepted, schedule a home inspection to check for any issues or necessary repairs. Your lender will also order an appraisal to ensure the home’s value matches the loan amount. Use these reports to renegotiate terms or request repairs if needed.
06.
Closing the Deal
Complete the final paperwork and review all documents carefully before closing. Your lender will transfer the funds, and you’ll sign the closing documents to officially become a homeowner. Once everything is finalized, you’ll receive the keys to your new home.