The Home Buying Process

Timeline for Buying A Home

Step 1

Education – learn as much as possible about the home buying process and the responsibilities of homeownership.  Additionally, it is highly recommended that you contact a housing counselor in your area for further information and support.


Step 2

Determine how much money you need to bring to the home purchase transaction and then save those funds if you haven’t already.  


HomeBuyingProcessStep 3

Shop for a mortgage lender.


Step 4 

Do we qualify for down payment assistance?
Downpayment Assistance


Step 5

Get pre-approved with a mortgage lender.


Step 6  

Shop for a Realtor.


Step 7

Work with the Realtor to find properties to view that meet your criteria for a home that would be suitable.


Step 8

Make an offer on a home.


Step 9  

Have an inspection.


Step 10

Negotiate with seller if necessary on any items called out in the inspection for replacement or repair on the house.  (A home inspector's job is to provide you with an extensive list of every defect, both trivial and important, on the property.  Consult with your Realtor to decide on which items you would like to request a replacement, repair or credit from the seller, and which are not issues for you.)


Step 11

Be responsive to any inquiries or requests from your realtor or lender.


Step 12

Closing – meet with the escrow officer, either at the escrow company or with a mobile notary, to sign the loan documents.


Step 13

Celebrate -  you own your own home!


Step 14

While enjoying your home – continuously maintain and make repairs as necessary to keep your family safe and protect your investment – see “Successful Homeownership” on this site for more assistance.   




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Thank you for taking the time to talk to me and put my heart at rest! I look forward to working with you to stay in our home.  I have an appointment with a housing counselor your referred us to and I will give you an update once that occurs.  Again, it meant so very much to me that you took the time to give me hope.
A. F.
I want to say a huge thank you.  It feels a million times better knowing where we will be living, that we don't have to move, and I can actually afford to live here.  My life is no longer on hold, and we have been able to make plans for the first time in ages. There is no more black cloud of uncertainty hanging over my head always, waiting for the bank to dictate so much of my life. Thank you, thank you, thank you!
C. K.
There are no words to say how much you did for us and how much you helped us, you basically saved us.
B. A.