1. Find an Experienced Local Realtor

2. Consult With a Lender

• Discuss Budget
• Obtain a Preapproval Letter

3. Discuss Needs/Wants With Realtor

4. Select Properties To Look At

Should be based on Budget+Needs+Wants = Perfect Home

(When You Find The Home of Your Dreams)

5. Time To Put in An Offer

• Always review market data for price analysis
• Double check with your lender
• Review all documents including disclosures/ inspections
• Earnest money due
• Decide on a closing date
• Sign & Submit offer to seller/ seller’s agent

6. Negotiating (Sometimes Playing Hard Ball)

• You have options, talk with your realtor about closing fees, repairs, closing date.
• This is the time to discuss your deal breakers and features that could sweeten the purchase

7. The Contract

• Attorney will review
• Review all inspection reports
• Financially committing
• Title work begins

8. Loan Processing

• Sign all documents, finalizing your application
• Get loan disclosures
• Appraisal
• Set up insurance
• Receive the mortgage commitment
• Review the closing disclosure

9. Closing On Your Home- The Day is Finally Here!

• Must have photo ID
• Funds need to be present either check or wire
• Setup utilities, perform a final walk-through
• Get the keys to your new home!

10. Post-Closing

Move in- and enjoy your new house!