1. Save for a down payment: Generally, a down payment of 10-20% of the home's purchase price is recommended, although some loan programs offer lower down payment options.
2. Get pre-approved for a mortgage: Meet with multiple lenders and get pre-approved for a mortgage loan.
3. Find a real estate agent: Seek out a reputable and experienced real estate Buyer's Agent who can guide you through the home buying process.
4. Start house hunting: Begin searching for homes that meet your criteria and budget.
5. Make an offer: Once you find a home you want to purchase, work with your real estate agent to make a competitive offer.
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7. Secure financing: Work with your chosen lender to finalize your mortgage application and secure the financing for your home purchase.
8. Review the contract and closing documents: Carefully review the purchase contract and closing documents with your real estate agent and attorney.
9. Conduct a final walkthrough: Schedule a final walkthrough of the property before the closing date.
10. Close the deal: On the closing day, sign all the necessary paperwork, including the mortgage documents and closing disclosure. Pay any closing costs and fees required.
11. Get homeowner's insurance: Prior to closing, secure homeowner's insurance to protect your new investment. Provide proof of insurance to the lender.
12. Move into your new home: After the closing, collect the keys to your new home and begin the process of moving in.
Becoming a homeowner can be intimidating, however working with experienced professionals such as a realtor, lender, attorney, etc can make your journey much less stressful.
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