1. Get Pre-Approved for a Loan

Before you start looking for your home, you should get a pre-approval letter from a mortgage lender. A pre-approval will give you an estimate of how much you qualify for. This also eliminates doubt a seller may have about your approval status. An offer with a pre-approval is the next best thing to an all-cash offer.

2. Save Enough for a Down Payment & Closing Costs

3. Select the Best Real Estate Agent

Your real estate agent will be walking side by side with you throughout your home buying journey. Make sure you choose an agent that you get along with and is highly knowledgeable about the market. Opt for agents who are trained to negotiate contracts as well as the closing costs for you.

4. Negotiate with Seller To Pay Closing Costs

We specialize in minimizing your cash required by advising you on making a home purchase offer that includes a seller credit to help pay for some or all your closing costs thereby reducing cash required to purchase your home.

5. Buy a Home That Fits Your Future Needs

While the home you want to put an offer on may fulfill all the wants and needs you have now, what about 5 or 10 years from now? Can you grow in the home? Is it near your family and friends? Take into account any major life changes you project and make sure the home can accommodate your future needs as well.

6. Get a Home Inspection

After the seller accepts your offer, you will need to get a home inspection. This will check the overall condition of the home to make sure there aren't any major red flags with it. When choosing a home inspector, make sure they look into smaller issues (such as mold or leaks) and have access to every part of the home.

7. Save Money for After Closing Expenses

Be sure to set aside enough money to cover any costs after closing. This includes any moving expenses, insurance, furnishings, new appliances, or any other cosmetic changes you would like to make to your home.