Buying your first home?
You saved for a down payment, paid down debt, and feel ready to put down roots. That's no small thing.
It's also just the start of a long, sometimes emotional process. This guide makes each step clear so you know what to expect and how to prepare, from your first budget to the day you get the keys.
We can't prepare you for everything, but we'll cut out most of the surprises.
Five chapters, from first budget to front door:
Step 1: Get your finances ready
Work out your monthly budget, your debt-to-income ratio, and your credit score. Then plan for the down payment, closing costs, and the bills that come after move-in.
Step 2: Line up your lender and agent
Get pre-approved, compare lenders on more than the rate, and pick an agent whose pay doesn't grow with your price.
Step 3: Find the right home
Decide if you're ready, sort must-haves from nice-to-haves, walk the neighborhood, and tour homes on your schedule.
Step 4: Make a strong offer
Learn what the home is worth, read the market, set your walk-away number, and use every lever beyond price.
Step 5: Close on your home
Deposit earnest money, inspect the home, finalize your loan, insure it, and avoid the mistakes that derail closings.
Ready to start your search?
Start with chapter 1, or skip ahead and talk to a licensed local agent today. You'll get the buyer's agent commission back, minus our low flat fee.