Buyers Workbook

The home-buying process can vary depending on the location and specific circumstances, but generally involves the following steps:

Section 1: Determine Your Budget

• Assess your income, expenses, and credit score
• Determine how much you can afford to borrow

Section 2: Get Pre-Approved for a Mortgage

• Find a lender
• Provide necessary financial documents
• Get pre-approved for a mortgage amount

Section 3: Find a Real Estate Agent

• Research potential agents
• Schedule a meeting or interview
• Choose an agent to work with

Section 4: Search for Homes

• Determine your home preferences
• Use online resources and real estate agent to find homes
• Schedule home showings

Section 5: Make an Offer

• Work with your agent to make an offer
• Include the price you're willing to pay and any contingencies
• Negotiate with the seller if necessary

Section 6: Home Inspection

• Schedule a home inspection
• Review the results with your agent and determine next steps

Section 7: Finalize the Loan

• Work with your lender to finalize your mortgage loan
• Provide any additional documentation or information as needed

Section 8: Closing

• Review and sign all necessary documents
• Pay closing costs and any other fees associated with the transaction
• Take ownership of the property