Home buying checklist

Every ask yourself what it takes to prepare for buying a home? Follow this checklist:

Financial Preparation
Check credit: Pull your credit reports and work to improve your score.
Save funds: Build savings for a down payment (often 3% to 20%) and closing costs (3% to 6% of the purchase price).
Gather documents: Collect recent pay stubs, W-2s, and bank statements.

Mortgage and Pre-Approval
Compare lenders: Shop around with multiple lenders for the best interest rates.
Get pre-approved: Secure a mortgage pre-approval letter so you can show sellers you are a serious buyer.

House Hunting and Offers
Hire an agent: Find a dedicated real estate agent who knows your target area.
Tour homes: Compare layouts, neighborhood safety, and commute times.
Make an offer: Decide on a fair price based on market data and submit your offer.

Inspection and Closing
Get a home inspection: Hire an inspector to check the roof, plumbing, electrical, and foundation.
Order an appraisal: Let your lender evaluate the true market value of the property.
Final walkthrough: Inspect the house right before closing to ensure agreed repairs are done.
Close the deal: Sign final paperwork, pay closing costs, and get your keys.

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