Home Buying

Process

Before diving into home shopping, securing a loan pre-approval is essential. This helps you understand how much home you can afford and makes you a more competitive buyer in the eyes of sellers. During this process, you’ll submit your financial details to a lender, who will provide a conditional approval letter based on your income, debt, and credit score.

Partnering with a knowledgeable real estate broker can make a world of difference. A broker will:

-Access homes listed on the Multiple Listing Service (MLS)
-Understand your needs and wants
-Represent your best interests in negotiations
-Help you navigate real estate forms and legalities​

With a pre-approval in hand, you can begin your home search. Most buyers start online, but working with your broker to schedule tours of homes that meet your criteria is key. In your initial consultation conversation your broker they will ask questions such as:

-What’s your ideal move-in date?
-What “must-have” features are essential for your home?
-Is commute time a consideration?

Once you've found the right home, it's time to make an offer. Your broker will help you review comparable home sales and advise on a competitive price. The offer will include the purchase price, earnest money deposit, and any specific terms like closing dates or property inclusions​.

When the seller accepts your offer, you’re in the home stretch—but not done yet! You’ll need to review the seller’s disclosures, finalize financing, and manage any contingencies such as inspections. Negotiating after the inspection may be necessary if issues arise, and your broker will advocate on your behalf to resolve them.

A professional home inspection ensures the property is in good condition. Items like the roof, foundation, plumbing, and electrical systems are all examined. If the inspection reveals problems, you can negotiate repairs or credits with the seller.

Your lender will order an appraisal to confirm the home's value aligns with the purchase price. You’ll also need title insurance to protect against potential legal issues with the property's title.

This is the final step where all documents are signed, and ownership is officially transferred. You’ll do a final walk-through of the property with your broker to ensure everything is in order before closing. After signing, your loan is funded, and the transaction is recorded at the county. Once complete, you'll get the keys to your new home!​