Six stages between deciding to buy and getting your keys — here's what actually happens at each one.
It's free, a soft check on your credit that won't affect your score, and doesn't commit you to anything until you actually make an offer on a home.
Get more infoWork with a licensed agent from your very first questions through closing. Before you tour a single home, get clear on what you actually want and what you can realistically afford.
Start saving for a down payment — conventional loans often go as low as 3-5% down, and FHA loans allow as little as 3.5%. Work on improving your credit score, and set aside an extra 2-5% of the purchase price for closing costs.
Gather your documents: the last 2 years of W-2s or 1099s, the last 2 years of tax returns, recent bank statements, proof of assets like a 401(k) or IRA, a list of your debts, and your rental payment history with your landlord's contact info.
Once you're pre-approved, we'll narrow down homes that fit your budget and needs, tour them together, and when you find the one, submit an offer.
Your inspection period begins, protecting you if the home has unforeseen damage, open permits, or repairs you didn't expect. If you're financing, your lender will also order an appraisal.
Sign the paperwork, get your keys, and it's official — you're a homeowner.