Your home-buying roadmap - start to keys
Your Path to a New Home
Buying a home is a handful of clear steps, not a mystery. Here is the whole path, start to finish - so you always know what comes next and what to have ready.
Discovery
Your goals, timeline, and a comfortable budget. No pressure, no obligation.
Pre-approval
We verify income, assets, and credit and hand you a pre-approval letter - so you shop with confidence and make strong offers.
Shop & tour
Your Realtor lines up homes that fit; tour, compare, and find the one.
Make an offer
Write a competitive offer and negotiate price and terms. Seller credits toward closing costs can often be negotiated here.
Under contract
Inspection and appraisal, lock your rate, and finalize the loan.
Underwriting
The lender's final file review. Answer any conditions quickly - this keeps closing on time.
Clear to close
Final closing disclosure, final walk-through, and a plain-English review of your numbers.
Keys!
Sign, fund, record - the home is yours. We review your equity and rate together every year.
Get ready What to have handy
- ✓Photo ID for each buyer
- ✓Income docs - recent pay stubs (or returns if self-employed)
- ✓Asset statements - about two months of bank/investment
- ✓Credit - a soft pull to start (no score impact); a hard pull only at full application
Missing something? Start anyway - we fill gaps as we go.
Already own? Three doors before you buy
- →Sell & buy - roll the proceeds into your next home
- →Keep & rent - hold it and let a tenant build your equity
- →Tap equity - a line of credit through a partner, without touching your current mortgage
Ask for the free Sell-vs-Keep-and-Rent side-by-side.
See your own numbers - free
Scan the code or reach out. We build your personalized picture: what you can comfortably afford, your estimated monthly payment, and typical closing costs - no obligation.
{{event.ctaUrl}}