1.Determine your readiness to buy. Evaluate your financial situation, consider your lifestyle and future plans, decide on a timeline for your purchase.

2.Get pre-approved for a mortgage. Check out this article on the options available when searching for the right mortgage.

3. Define your home search criteria. Select your preferred neighborhoods and areas, define your must-haves versus your nice-to-haves, and select a realistic budget based on your preapproval.

4. Hire a real estate agent or decide if you want to maneuver the buying process alone. If going at it solo, there will be a huge learning curve to get through but with all the available resources online and professionals available it is possible. Sign a buyer representation agreement (if applicable). Discuss communication preferences and expectations with your realtor to establish expectations.

5. Begin House Hunting! Attend open houses and schedule showings. Evaluate properties using a checklist. Compare homes and take notes/photos.

6. Make an Offer. Review comparable sales (comps). Decide on offer price, contingencies, and terms. Submit an offer with your agent’s help.

7. Negotiate and Finalize the Contract. Respond to counteroffers if needed. Finalize the purchase agreement and submit the earnest money deposit.

8. Schedule a Home Inspection. Hire a licensed home inspector. Attend the inspection (optional but recommended). Review the inspection report with your agent.

9. Negotiate Repairs or Credits. Request repairs or closing cost credits based on inspection. Amend the purchase agreement if necessary.

10. Finalize Financing. Provide final documents to lender. Get a home appraisal. Secure homeowners insurance. Receive loan commitment.

11. Conduct Final Walkthrough. Confirm agreed-upon repairs are done. Ensure property is in expected condition.

12. Close on the Home. Review and sign closing documents. Pay closing costs. Receive keys and ownership documents.

13. Move In. Schedule movers and transfer utilities. Change address with USPS and relevant institutions. Enjoy your new home!