A clear, step-by-step path from pre-approval to keys-in-hand. Save this, check items off, and breathe easy.
Timeline
- Pre-approval: 1–3 days
- House hunting: 1–8 weeks
- Escrow: ~30 days
Up-Front Costs
- Earnest money (1–3%)
- Inspection (~$300–$600)
- Appraisal (~$500–$800)
At Closing
- Down payment
- Closing costs (2–5%)
- Photo ID & cashier’s check
Step 1
Get Pre-Approved
Lock your budget and show sellers you’re serious.
Step 2
Define Budget & Priorities
Numbers first, wish-list second. Future-you will be grateful.
Step 3
House Hunting
Tour smart, compare clearly, decide confidently.
Step 4
Make an Offer
Strategy meets paperwork. Your agent will steer; you’ll choose.
Step 5
Escrow: Inspections & Appraisal
Verify condition and value before you fully commit.
Step 6
Finalize Loan & Close
Paperwork crescendo → key handoff → happy dance.
Documents You’ll Likely Need
- Gov’t ID, SSN
- Pay stubs (last 30 days), W-2s/1099s (2 years)
- Bank statements (2–3 months), gift letters if applicable
- Rental history or mortgage statements
Common First-Timer Pitfalls
- New credit lines or big purchases during escrow
- Skipping inspection or underestimating repair costs
- Stretching beyond a comfortable monthly payment
- Forgetting about utilities, HOA, and maintenance
Questions? Connect with Linda for local guidance and a winning plan.