Buyer resource
Are you a first-time homebuyer?
Let us help direct your first steps to home ownership. Here is how the process works — and a free, no-pressure consultation to set you up for success on your first transaction.
- 01
Prepare to buy
- Review your monthly budget, savings and credit report.
- Set aside funds for a down payment, closing costs and moving.
- Make a short list of must-haves versus nice-to-haves.
- 02
Financing and preapproval
- Talk with a licensed lender about loan programs you may qualify for.
- A preapproval letter shows sellers you are ready and sets a realistic price range.
- Compare rates and fees from more than one lender.
- 03
Search for homes
- We help you narrow neighborhoods, school districts and commute options.
- Tour homes in person and take notes so details don't blur together.
- Look past paint and furniture — focus on layout, location and condition.
- 04
Offers and negotiation
- We review recent nearby sales to help you decide on a strong, fair offer.
- Your offer covers price, earnest money, contingencies and closing date.
- Expect some back-and-forth; we negotiate on your behalf.
- 05
Inspections
- A licensed home inspector checks the structure, roof, systems and more.
- Depending on the home, consider radon, sewer line or pest inspections.
- Findings may lead to repair requests or a price adjustment.
- 06
Closing
- Your lender completes the appraisal and final approval.
- Do a final walk-through before signing.
- Sign the paperwork, receive the keys, and you're home.
This guide is general information, not legal, tax or lending advice. Speak with a licensed lender and attorney about your situation. More answers on our FAQ page.
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