Steps to Buying a House

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You'll need a solid credit score and debt-to-income ratio, an appropriate down payment, and enough savings to cover closing costs and homeownership expenses. 

 Find an area that fits your lifestyle and is a good investment for the future. 

A great agent will have experience in your area and price range. They'll also be able to help you throughout the home buying process. 

Most sellers won't show their home to buyers who aren't pre-approved. Do your research and find a lender that offers the best interest rates and terms and that will ensure the deal closes. 

Compare your options and make sure you understand your local market and what its condition means for your choices. 

Price isn't the only factor sellers consider. Talk with your Realtor so you can make a competitive offer that benefits you and the seller.

Inspections and appraisals give you and your lender peace of mind about the purchase, but be prepared for more negotiating if anything unexpected comes up. 

Take the time to check the entire house closely. Once you officially close on the house, it's all yours!