Step 1: Research

The initial questions to ask: Where do I want to buy, and what’s available there?

First, do a search via the MLS (Multiple Listing Service), the platform where Realtors post and update listings. Realtors are responsible for accurate listings, and thus should have the most up-to-date source of available inventory.

Other online platforms are notorious for having old and expired listings. At, we will grant you direct access to the MLS, meaning you will be choosing a home from only the latest inventory.


Step 2: Financing

How much can you afford? What costs do I need to consider? How much will my monthly mortgage payment be?

You could walk into your local bank and ask for a home loan. A mortgage broker, however, will reach out to several banks and help you secure the most competitive financing for your home purchase.


Step 3: Realtor

The agent’s role is to act as your representative and guide through the real estate transaction process by providing market knowledge, as well as following the state rules. Since sellers most likely also have agents working on their behalf, it is imperative you have an expert in your corner.

In the process of selecting a real estate agent, you will discuss the terms of the agreement. As a buyer, generally you do not pay a commission to the agent – the seller does.


Step 4: Legal

Your real estate attorney will review all documents pertinent to the home buying process as your legal representative. Before you sign with a firm, be sure to discuss fees and what is covered. Remember, you’re in the driver’s seat.


Step 5: Home Inspection

Simply stated, the home inspector is a professional who does a thorough inspection of your potential home, check its vital statistics such as the roofing, foundation and HVAC systems, and examine the elective wiring and plumbing. This inspection will allow the buyer to understand the condition of the property, as well as helping to find information to negotiate on the home price with the seller. As always, be sure to discuss the fees involved and the scope of work before hiring a home inspector.


Step 6: Title Company

The title company will look up your prospective home’s title history, searching public records for any clouds on the title such as prior liens and foreclosures that could hamper ownership.


Step 7: Closing

Congratulations! You’re now a homeowner. Sign the documents, get your keys, and hang your hat.