Home Buying Process
Step 1: Connect + Clarify Your Goals
This first step is all about understanding your vision for your next home. Not just the number of bedrooms, but the lifestyle you want it to support. We talk through your timeline, your must-haves, your “would be nice” list, and any concerns or frustrations you’ve had with the process. By getting clear on what matters most, we set the foundation for a thoughtful and efficient search. This conversation also helps me tailor my strategy specifically to you, rather than throwing every listing your way. You’ll walk away knowing exactly what to expect from me and what your next steps look like.
Step 2: Secure a Trusted Pre-Approval
Step 3: Curated Home Search
Step 4: Tour With Purpose
Step 5: Write an Offer
Step 6: Inspection Period
Step 7: Appraisal + Underwriting
Step 8: Closing Day
Step 9: Support Beyond Closing
Understanding Your Loan Options
Conventional Loan
A conventional loan is the most common mortgage option and works well for buyers with stable credit and steady income. It typically requires a 3–5 percent down payment, and if you put less than 20 percent down, you’ll have monthly mortgage insurance. The nice part is that this insurance can be removed once you build enough equity. This loan gives you flexibility with terms, competitive rates, and plenty of room to customize your long-term strategy.
FHA Loan
An FHA loan is built for buyers who want easier qualification or are still building their credit. The down payment starts at 3.5 percent, and the guidelines are more forgiving with credit scores and debt ratios. Mortgage insurance stays on for the life of the loan unless you refinance, but the tradeoff is smoother approval for many buyers. It’s a great option if you want a more accessible path into homeownership without feeling shut out by strict requirements.
VA Loan
VA loans are an incredible benefit for eligible veterans, active-duty service members, and surviving spouses. They require no down payment, no monthly mortgage insurance, and often come with lower interest rates. This gives qualifying buyers more purchasing power and lower upfront costs. It’s one of the strongest loan programs available and makes homeownership extremely attainable for those who have served.
USDA Loan
A USDA loan offers zero-down financing for buyers purchasing in eligible rural areas. It’s ideal if you’re looking for more space, newer communities, or quieter pockets outside the city. The mortgage insurance is typically lower than FHA, and the rates are competitive. This program was designed to open up homeownership opportunities in rural regions, and it can be a smart fit if you qualify for one of the approved areas.
Home Search
Choose the Right Location
When searching for a home, location should be your top priority. It affects your daily life more than anything else. Consider factors like commute time, nearby schools, safety, noise levels, and access to shops or parks.
Create a Must-Have List
Before you begin your search, take the time to ask yourself key questions that will uncover your real estate preferences. Creating a “must-have” list helps you stay focused and avoid emotional decisions during your home search.
- What is important to you in a new home? (space, views, distance to work, school zone)
- What property type are you looking for? (Condo, townhouse, or a single-family)
- What neighborhoods are you considering?
- Do you want a turnkey home or are you willing to renovate?
- How long do you plan to stay in your new home?
MLS Search
You’ll receive curated listings from the Multiple Listing Service (MLS), which provides more accurate and up-to-date data than public sites like Zillow or Redfin. I will help you schedule private showings, virtual tours, or attend open houses based on your availability.
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