01

Research

Get familiar with the market and understand what you want. Look at neighborhoods, price ranges, and typical home styles in your area. Compare commute times, schools, and nearby amenities. Use open‑source government tools (HUD, CFPB, VA) for basic affordability and mortgage education. Create a simple list of your must‑haves vs. nice‑to‑haves.

02

Prep

Get financially ready and explore your loan options. Review your budget, credit, and savings. Get pre‑approved so you know your price range and can make stronger offers. Check for programs that may help with down payment or loan qualification: First‑time buyers: FHA, HUD local programs; Veterans: VA home loan benefits; Rural buyers: USDA; Other groups: State and local assistance programs.



03

Offers

Choose a home and submit a competitive, protective offer. Compare homes based on condition, price, and long‑term fit. Work with your agent to write an offer that includes standard protections (inspection, appraisal, financing). Negotiate price, closing date, and any seller concessions as needed.

04

Escrow

Complete the loan process and finalize the purchase. The lender orders an appraisal to confirm value. Underwriting reviews your finances and documents. You sign closing paperwork, pay final costs, and receive the keys.