Check your credit score and review your credit report for errors
Calculate your budget (monthly payment, taxes, insurance, HOA if any)
Save for down payment, closing costs, prepaid expenses, and an emergency fund
Get pre-approved for a mortgage with multiple lenders
Choose the right mortgage type for your situation (fixed, ARM, FHA/VA/other programs)
Determine your must-haves and nice-to-haves (location, size, condition, schools, commute)
Hire a real estate agent (or use a buyer’s agent) if helpful
Search for homes and compare listings using a consistent set of criteria
Tour homes, ask questions, and review disclosures and seller documents
Make an offer with contingencies (inspection, financing, appraisal)
Review the purchase agreement carefully (price, contingencies, deadlines, included items)
Order a home inspection and schedule any specialized inspections needed
Review inspection results and negotiate repairs, credits, or price changes
Ensure the appraisal meets lender requirements and address any appraisal issues
Finalize financing by submitting required documents and satisfying lender conditions
Shop for homeowners insurance and obtain coverage for the closing date
Conduct a title search and review title insurance requirements
Do a final walkthrough to confirm repairs and that the home is in agreed condition
Review the closing disclosure (final loan terms, cash to close, fees)
Bring required funds and identification to closing
Sign closing documents and pay closing costs
Receive keys and confirm utilities and home services are active
Change locks as needed and set up property tax and insurance payments
Keep records of all disclosures, inspections, warranties, and closing paperwork