Get Pre-Approved 1.
Meet with a trusted lender.
Know your budget, monthly payment comfort, and loan type.
Gather financial docs: pay stubs, W-2s/1099s, bank statements, ID.
Down payment (varies by loan).
3.
Earnest money deposit.
Closing costs (2–3% of purchase price).
Home inspection + appraisal fees. Define Your Needs vs. Wants
Must-haves: bedrooms, bathrooms, location.
Nice-to-haves: pool big
Use MLS/IDX search or personalized listings. Schedule tours with your agent. Take notes + pictures for each property.
