STEP 1: UNDERSTAND WHAT YOU CAN AFFORD

Check Your Credit

Get a copy of your credit report a few months before you begin shopping for a loan to ensure its accuracy. Have any mistakes you find corrected. 

Understand Your Finances

Get very familiar with your finances – your income, debts, savings, and monthly expenditures – to assess how much you may be able to afford.  When looking at your savings, remember to account for the down payment and closing costs.

STEP 2: FIND THE RIGHT HOME

Check Your Credit

Get a copy of your credit report a few months before you begin shopping for a loan to ensure its accuracy. Have any mistakes you find corrected. 

Understand Your Finances

Get very familiar with your finances – your income, debts, savings, and monthly expenditures – to assess how much you may be able to afford.  When looking at your savings, remember to account for the down payment and closing costs.

STEP 3: FIND YOUR TEAM

Check Your Credit

Get a copy of your credit report a few months before you begin shopping for a loan to ensure its accuracy. Have any mistakes you find corrected. 

Understand Your Finances

Get very familiar with your finances – your income, debts, savings, and monthly expenditures – to assess how much you may be able to afford.  When looking at your savings, remember to account for the down payment and closing costs.

STEP 4: FINANCE YOUR PURCHASE & BEGIN YOUR SEARCH

Check Your Credit

Get a copy of your credit report a few months before you begin shopping for a loan to ensure its accuracy. Have any mistakes you find corrected. 

Understand Your Finances

Get very familiar with your finances – your income, debts, savings, and monthly expenditures – to assess how much you may be able to afford.  When looking at your savings, remember to account for the down payment and closing costs.

STEP 5: MAKE AN OFFER

Check Your Credit

Get a copy of your credit report a few months before you begin shopping for a loan to ensure its accuracy. Have any mistakes you find corrected. 

Understand Your Finances

Get very familiar with your finances – your income, debts, savings, and monthly expenditures – to assess how much you may be able to afford.  When looking at your savings, remember to account for the down payment and closing costs.

STEP 6: INSPECT AND APPRAISE THE HOME

Check Your Credit

Get a copy of your credit report a few months before you begin shopping for a loan to ensure its accuracy. Have any mistakes you find corrected. 

Understand Your Finances

Get very familiar with your finances – your income, debts, savings, and monthly expenditures – to assess how much you may be able to afford.  When looking at your savings, remember to account for the down payment and closing costs.

STEP 7: CLOSING

Once your loan is approved, your lender will schedule the closing – one of the most important parts of the homebuying process.  Closing is the final step to homeownership that involves all parties signing final documents and legally transferring the property, and keys, to you.