Your step-by-step buying guide

1. 01

   Set your priorities

   Define the locations, property type, must-haves, timing, and maintenance needs that fit your plans. Separate essentials from preferences before touring.

2. 02

   Explore financing and upfront costs

   If borrowing, speak with lenders about financing options and documentation. Consider down payment, closing expenses, and ongoing costs. A preapproval is not a guarantee of final financing.

3. 03

   Understand representation

   Discuss who represents whom, the services offered, and any written agreements. Review compensation and responsibilities before signing.

4. 04

   Tour and evaluate homes

   Compare layout, condition, disclosures, property records, and total ownership responsibilities. Ask questions about improvements and features that matter to you.

5. 05

   Prepare an offer

   Discuss price, financing or cash terms, earnest money, included items, contingencies, and proposed dates. Your signed contract determines obligations and deadlines.

6. 06

   Track contract milestones

   After acceptance, organize earnest-money delivery, inspections, document reviews, and other agreed conditions. An inspection, an appraisal, and lender approval serve different purposes.

7. 07

   Complete financing and title work

   If financed, respond to lender requests and review the appraisal and loan documents. Work with the closing team to address title questions and confirm required funds.

8. 08

   Review closing details

   Review final documents and figures, arrange insurance as appropriate, and complete an agreed walkthrough. Verify payment instructions directly using a trusted phone number before sending money.

9. 09

   Close and plan your move

   Sign the required documents, deliver verified funds, and confirm when possession and keys transfer. Coordinate utilities, moving arrangements, and safekeeping of your closing records.

General process overview. See disclosures ↓