Steps to Buying a Home

 There are several things to consider when starting the process of buying a home! Here are the most basic steps and some great links to help!

Determine your budget:Take a hard look at your finances and figure out how much you can afford to spend on a home. Consult with a financial advisor if necessary to get an accurate picture of your finances.

Find a Realtor: Work with a qualified agent who can help you navigate the homebuying process, negotiate offers, and help you find your dream home.

Get pre-approved for a mortgage: Contact a lender to find out how much they are willing to lend you based on your income, credit score, and other factors. This will help you know what price range of homes you should be looking at.

Start house hunting: Use online tools and work with your  Realtor to find homes that meet your criteria.

Make an offer: Once you find a home you like, work with your Realtor to make a competitive offer.

Close the deal: Once your offer is accepted, work with your lender, real estate agent, and other professionals to finalize the purchase of your home. 

Make a Budget

Use this free tool to put together your monthly budget.

Home Buying Process

Here are the steps to buying a home.

Pre-Approval Needs

What do you need to get Pre-approved to know the amount you qualify for?

  1. A clear copy of your driver’s license
  2. Paystubs covering the most recent 30 days
  3. 2021 & 2020 W-2 wage statements (and 1099’s if applicable)
  4. 2 Years Most recent Federal Tax Returns (personal, business and partnership returns as applicable – all pages and schedules)
  5. 2 Most recent copies of your bank statements. PLEASE NOTE: bank “summary” printouts are not verifiable documents. Please provide the once monthly statement produced by your institution – if the statement shows page 1 of 5, I need all 5 pages)
  6. Copy of your current mortgage statement for all mortgages reflected on your credit report.

Look for Homes

Register on our website and look for homes in areas of interest.

  1. Child Support & Divorce Decrees as applicable


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