Buying a home should be one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first-time homebuyer’s guide created by our team will reduce the stress of buying a home and help you enjoy the journey.
Meet with your Real Estate Agent and go over your criteria, timeline and more -
Price range
Preferred locations
Must-haves vs. nice-to-haves
Timeline
Speak to a lender to obtain a pre-approval letter - This establishes your budget, estimated monthly payment, and strengthens your offer.
Evaluate:
Condition
Layout & functionality
Lot & neighborhood
Comparable sales
When you find the right home, we will:
Determine a competitive offer price
Structure protective contingencies
Negotiate terms as needed
Protects you if your loan is denied despite good faith effort.
Allows time to conduct inspections and negotiate repairs, credits, or void the contract.
Protects you if the property appraises below the contract price.
Provides time to review governing documents, financials, and rules.
Allows testing for radon gas and negotiation if levels exceed EPA recommendations (4.0 pCi/L).
Federal law provides a 10-day period to conduct a lead-based paint risk assessment and review seller disclosures.
Protects you if private systems fail inspection.
Finding the perfect home and navigating the purchase process can be daunting. Leverage our knowledge and expertise and enjoy your personalized real estate journey.
Typically 3–16 days (varies by contract). Sometimes if there is competition a pre-inspection is recommended - ask your Real Estate Agent
General Home Inspection
Radon Test
Lead-Based Paint Risk Assessment (if applicable)
Termite/Wood-Destroying Insect Inspection
Well Water Quality Test
Septic Inspection
Chimney Inspection
Mold Inspection (if concerns arise)
After inspections, buyers may:
Request repairs
Request a credit
Accept the property as-is
Or void the contract within contingency deadlines
Submit final financial documentation
Loan underwriting review
Receive loan commitment
Typically 24–48 hours before closing to confirm:
Agreed repairs are completed
Property condition remains unchanged
On closing day you will:
Bring a valid government-issued photo ID
Bring a checkbook (in case small balance adjustments are needed)
Confirm wire transfer has been completed (if applicable)
Review and sign final loan and settlement documents
Once funds are received, you’ll receive the keys to your new home!