Get pre-approved for a mortgage
Set your budget and target home criteria
Research neighborhoods and market prices
Search listings on MLS-access sites, Zillow, Redfin, and local classifieds
Contact sellers directly or through listing agents
Hire a real estate attorney or closing attorney
Hire a home inspector
Review comparable sales to assess fair market value
Make a written offer using a purchase agreement
Negotiate price, contingencies, and closing timeline
Submit earnest money to the escrow or title company
Complete mortgage application and underwriting
Order appraisal if required by the lender
Review title report and resolve any title issues
Complete inspections and request repairs or credits if needed
Sign closing documents
Pay closing costs and down payment
Receive the keys after closing
Keep copies of all contracts, disclosures, and receipts