Check your credit score and review your credit report for errors
Set a realistic budget based on your income, debts, and monthly expenses
Save for a down payment, closing costs, reserves, and moving expenses
Gather required documents (pay stubs, W-2s, tax returns, bank statements, ID)
Shop for a mortgage and compare loan estimates from multiple lenders
Choose a loan type that fits your situation (fixed-rate, ARM, FHA/VA/USDA if eligible)
Get pre-approval before house hunting
Start house hunting based on must-haves, deal-breakers, location, and commute needs
Research neighborhoods and review school, crime, flood, and zoning information
Attend showings and track properties you like and the reasons
Make an offer with contingencies (inspection, appraisal, financing, title)
Review and negotiate the purchase contract terms and deadlines
Order a home inspection and review the findings
Request repairs or credits based on inspection results or renegotiate if needed
Ensure the home appraises for at least the purchase price
Finalize underwriting by providing requested documents and responding to lender questions
Purchase homeowners insurance before closing
Complete a title search and obtain title insurance
Review the closing disclosure and confirm all fees and loan terms
Do a final walkthrough shortly before closing
Sign closing documents and pay closing costs (wire/verified funds)
Receive keys and store all closing paperwork safely
Set up utilities, service transfers, and a maintenance plan for the home