The Exact Steps to Buy a House This Year

Buying a house might seem incredibly complicated if you have never done it before. Breaking the process down into clear phases makes it much easier to manage. Following the right steps in the correct order will save you time and money.

Step One is Pre-Approval

You should never start touring homes before you know your budget. Getting a formal pre-approval letter is the most critical first step. This shows sellers that an underwriter has verified your finances and you are a serious buyer. Your Loan Officer will review your income, assets, and credit to provide this letter.

House Hunting and Making an Offer

Once you have your pre-approval, you can partner with a real estate agent to start shopping. You will tour homes that fit your verified budget and lifestyle needs. When you find the right property, your agent will help you write a competitive offer. If the seller accepts, you will officially be under contract.

Inspections and Underwriting

Being under contract triggers a busy period of fact-checking. You will hire an inspector to check the physical condition of the home. At the same time, our Mortgage Brokerage will order an appraisal and send your file to final underwriting. You must avoid opening new credit cards or making large purchases during this time.

Reach out to a Loan Officer today to start step one of your homebuying journey. We will guide you through the entire process from your first question to your final signature.

Expect to close one week early.

Frequently Asked Questions

What is the very first step to buy a house?

The first step is getting pre-approved for a mortgage so you know exactly how much you can afford to spend.

Do I need a real estate agent to buy a home?

While not legally required, a real estate agent helps you navigate negotiations, contracts, and local market trends at no direct cost to the buyer.

How long does the home buying process take?

After your offer is accepted, the closing process typically takes between 30 and 45 days.

When do I actually pay my down payment?

Your down payment and closing costs are paid via wire transfer or cashier's check right before your scheduled closing day.