🏡 First-Time Home Buyer Checklist: Step-by-Step Guide

1. Get Pre-Approved:

• Meet with a lender to find out your budget.

• Gather documents: income, credit report, debt info.

• Get a pre-approval letter to strengthen your offers.

2. Set Your Budget & Priorities:

• Factor in down payment, closing costs, and monthly expenses.

• Decide on your must-haves (location, size, features).

• Consider future plans and long-term needs.

3. Work With a Real Estate Agent:

• Choose an experienced local agent.

• Let them guide you through neighborhoods and listings.

• Ask questions — no question is too small!

4. Start House Hunting:

• Visit homes in your price range.

• Take notes and compare features.

• Think beyond cosmetics — look at layout and condition.

5. Make an Offer:

• Work with your agent to submit a strong offer.

• Review terms, contingencies, and timelines.

• Be ready to negotiate if needed.

6. Final Steps Before Closing:

• Hire a home inspector and review results.

• Secure final mortgage approval.

• Sign documents, get the keys — and move in!