1. INITIAL CONSULTATION & PLANNING
• Determine your buying needs and priorities
• Review agency choices and select appropriate working relationship
• Establish your search criteria and a plan of action for home searching
2. SEARCH FOR A HOME AND GET PRE-APPROVED
• Meet with a mortgage banker to obtain loan pre-qualification/approval
• Begin viewing properties
• Re-evaluate your search criteria as you view different homes
• Continue searching until you find the perfect home
3. SUBMIT AN OFFER
• Submit offer to purchase the home through the seller’s agent
• Discuss and clarify proposed terms and conditions
• Negotiate offer, including possible counter-offers
• Reach final agreement
4. COMPLETE SETTLEMENT PROCESS
• Open escrow and deposit earnest money
• Receive escrow instructions and sign documents
• Receive preliminary title report
• Review inspections and disclosures
• Request any needed repairs
• Removal of remaining contingencies
• Final walk-through by buyer and seller
• Secure your loan, deposit your remaining down-payment into escrow
• Record deed of title
• Get keys!