- Make sure you are prepared and ready

- Review income and expense status over the past few years

- Decide if it’s a good time for buying a house.

- Check your debts and income

- Calculate how much house you can afford on your own

- Don’t forget to consider HOA fees

- Search and choose right lender for you

- Compare mortgage origination fees

- Get different loan estimates

- Consider your expectations and criteria

- Think long term, career and family goals

- Ask any questions you have

- Make sure the home is right for you

- Submit purchase and sale agreement to listing agent

- Add dates you’d like to close on and preferred move-in dates

- Let your real estate agent help you manage negotiations

- Choose the home inspector and pay for the home inspection

- Go over each item line by line and look for major issues

- If there are big and expensive problems at home, consider the offer

- The buyer pays for the appraisal

- Appeal if you think the appraiser made a mistake

- Don't stress if it's worse than you expected

- Negotiate repairs, if repairs are expensive ask for a credit

- Identify repairs that need to be made before closing

- If you can't agree with the seller, review your offer

- Make sure home is in the same condition it was when viewed

- Review your repair requests

- Check home systems before closing day

- Signing final documents

- Prep for closing

- Make the sale official