Create a budget plan to save for a down payment, closing costs, appraisal fees, inspections, and possible taxes. 

Get pre-approved for a mortgage to ensure you can afford a home with all the features you need and want. 

Sit down with your realtor to discuss the must-haves for your future home, such as number of bedrooms, location, surrounding schools, commute time, and potential home appreciation. 

Visit homes that meet your criteria with your realtor, ensuring they are within your budget and meet your requirements. 

Make an offer on a home, and be prepared for some negotiation over the price. Understand the contracts before signing. 

Submit an application for a mortgage. 

Request a property inspection to identify any defects that may affect the value or selling price of the home. 

The appraiser will visit the property, research comparable sales data in the area, and submit a report to the lender with their analysis of the property and any necessary repairs.

Negotiate seller repairs if necessary, particularly for safety concerns, based on the inspection report. 

Conduct a final walkthrough to verify the property’s condition before closing. 

Close on the property and officially make it yours. Unpack and enjoy life in your new home.