Your Step-by-Step Guide to Buying Your First Home

Buying your first home is a big milestone—and it can be both exciting and overwhelming.

Understanding the process ahead of time helps reduce stress and sets you up for success.

Here’s a step-by-step guide to walk you through what to expect:

1. Check Your Finances​

Start by taking a look at your current financial picture. How much do you have saved for a down payment? What’s your credit score? Understanding where you stand will help you determine what you can afford and what type of loan programs might be available to you.

2. Get Pre-Approved for a Mortgage​

Before you start house hunting, meet with a lender to get pre-approved. This shows sellers you're serious and gives you a clear idea of your budget. Pre-approval is different from pre-qualification—it's more official and carries more weight.

3. Hire a Realtor You Can Trust​

A knowledgeable Realtor (like Michelle Edwards!) will be your guide, advocate, and advisor throughout the entire process. They’ll help you find homes, schedule showings, handle negotiations, and make sure you’re protected every step of the way.

4. Start House Hunting​

This is the fun part! Your Realtor will help you narrow down homes based on your preferences, location, and budget. Don’t be surprised if you fall in love with a home quickly—or if it takes some time. Either way, your agent will be there to help you through it.

5. Make an Offer​

Once you find a home you love, your Realtor will help you craft a competitive offer. They'll also handle negotiations with the seller’s agent to help you get the best possible terms.

6. Home Inspection and Appraisal​

After your offer is accepted, you’ll typically schedule a home inspection to check for issues and an appraisal to ensure the home’s value lines up with your loan. Your agent will guide you through any needed negotiations or repairs.

7. Final Loan Approval and Closing​

Once everything checks out, your lender will give the final approval, and you’ll head to closing. This is where you sign all the paperwork, pay your closing costs, and get the keys to your new home.