hOME bUYING PROCESS

Home Search: 1–6+ weeks | Offer & Negotiation: 1–3 days | Under Contract to Closing: 30–45 days

Get Pre-Approved

• Meet with a lender to review your credit, income, and finances.
• Receive a pre-approval letter to strengthen your offers.
   

Choose a Real Estate Agent

• Partner with an experienced agent who understands your goals and the local market.
• They’ll guide, negotiate, and advocate for you throughout the process.
   

Define Your Needs & Start the Search

• Narrow down your criteria: price, location, size, must-haves.
• Tour homes and attend showings (virtually or in person).
   

Make an Offer

• Once you find the right home, your agent helps you craft a strong, strategic offer.
• Include price, contingencies, closing timeline, and earnest money.
   

Offer Accepted & Go Under Contract

• Once accepted, the home goes “under contract.”
• Begin due diligence: inspections, appraisal, and final loan steps.
   

Home Inspection

• Hire a licensed inspector to assess the condition of the property.
• Use results to negotiate repairs or credits, if needed.
   

Appraisal & Final Loan Approval

• Lender orders an appraisal to confirm the home’s value.
• Underwriter reviews all documents for final approval (aka “clear to close”).
   

Title Search & Homeowner’s Insurance

• Title company verifies ownership and checks for liens.
• You’ll purchase homeowner’s insurance before closing.
   

Final Walkthrough

• Do a last check of the property (usually 24–48 hours before closing).
• Confirm that agreed-upon repairs are completed and the home is in expected condition.
   

Closing Day

• Sign the final documents and receive the keys to your new home!
• Congratulations—you’re officially a homeowner!