🏡 Home Buyer Checklist
Your complete step-by-step guide to buying your dream home with confidence
✅ Getting Started
Financial Foundation
  • Check your credit score
  • Review your budget and monthly expenses
  • Estimate your home affordability
Savings Goals
  • Start saving for your down payment (3%–20%)
  • Set aside funds for closing costs (typically 2%–5%)
  • Pay down loan balances
Build Your Team
  • Research local real estate markets
  • Research school districts (even if you don't have children, it affects value)
✅ Get Pre-Approved
01
I will help guide you to the right lender and get pre-approved
02
Gather your financial documents (W-2s, tax returns, pay stubs, bank statements)
03
Understand your loan options (Conventional, FHA, VA, etc.)
04
Request a loan estimate to understand your payments
✅ Begin Your Home Search
Plan Your Search
  • Make a list of must-haves vs. nice-to-haves
  • Choose preferred neighborhoods
  • Set up custom property alerts with me
  • Begin touring homes
✅ Make an Offer
Review comps and pricing strategy with me
Decide on offer price, contingencies, and timelines
Submit your offer
Negotiate if needed
✅ Under Contract
Once your offer is accepted, these important steps ensure your investment is protected:
Inspections & Appraisal
  • Schedule home inspection
  • Order appraisal (your lender will do this)
Documentation Review
  • Review disclosures and title documents
  • Respond to any lender conditions
Insurance
  • Shop for homeowners insurance
✅ Closing Time
You're almost there!
1
Review Closing Disclosure
2
Conduct final walkthrough
3
Wire funds for down payment and closing
4
Sign documents
5
Get your keys!