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Guide
Everything you need to know about buying a home, from start to finish.
Follow these six steps to go from buyer to homeowner
Review your income, savings, and monthly expenses. Use our affordability calculator to find a price range that works for you.
A pre-approval letter shows sellers you are serious. It defines your price range and gives your offers a competitive edge.
Learn More →A dedicated agent provides market insight, negotiates on your behalf, and guides you through every document and deadline.
Learn More →Browse MLS listings, save favorites, and schedule tours. Take notes and photos to compare your top picks side by side.
Your agent crafts a competitive offer backed by market data. Expect some back-and-forth before reaching an agreement.
Complete inspections, finalize your mortgage, sign closing documents, and receive your keys. Welcome home!
Down payments range from 3% to 20% of the purchase price. FHA loans allow as low as 3.5%. Putting down 20% helps you avoid private mortgage insurance (PMI) and lowers your monthly payment.
Conventional loans typically require a 620+ score. FHA loans may accept scores as low as 580. Higher credit scores unlock better interest rates and more favorable loan terms.
Absolutely. A professional inspection reveals hidden issues that could cost thousands in repairs. It also gives you leverage to negotiate repairs or price reductions with the seller.
From pre-approval to closing, expect 30 to 60 days. The search phase varies — some buyers find their home in weeks, others take months. Be patient and stay focused on your priorities.
Closing costs typically range from 2% to 5% of the loan amount. They include lender fees, title insurance, appraisal, and prepaid taxes and insurance. Both buyers and sellers may share these costs depending on negotiations.
Our buyer agents are ready to help you navigate every step of the process.