At any Step, please
   ask questions

Step 1. Check your Credit Report and Score- 
By law you can get 1 free credit report each year: 
                                              Annualcreditreport.com

Step 2. Determine how much you can afford (Not Just Qualify For). 

Step 3 & 4. Get Pre-qualified & Pre-approved OR Find a Real Estate Agent An agent.
-Your agent will have a loan officer they frequently work with and can send you their information to start the process!

*When getting approved they will ask for documents of income:
The more you supply them with at first the more accurate it will be. 
     -W2 Statements.
     - Pay Stubs.
     -Bank account Statements. ETC. 
 
Step 5: Shop for your home- Tour homes in your price range. 

Step 6: Make an Offer. (Negotiate) 
Always take as much time as you need to find the right home. We can search high and low, far and wide, I am here with you through the whole process!

**Escrow is then opened: This is the period of time that it takes to complete all the remaining steps in the home buying process.
 
Step 7: Home Inspection 
*Negotiate repairs with Seller.
 
This is the time when other inspections will take place if needed:
-Septic
-Well
-Other(s)

The Lender will arrange for an Appraisal of the home. 
You will receive the amount the Property/Home appraised for
AND
The Appraisal will indicate anything needing repairs.
That  will then go to the lender and they will return with what they require to be fixed/repaired to pass for financing. 

As you can imagine there is a lot of paperwork involved in buying a house. 

Step 8: Closing Day
**Signing paperwork required for the purchase of the property.
      -Including loan documents. 
 

At least 3 days to close/take possession after the (CD) Closing documents are created by Escrow/Title.
At times you can get keys same day as signing if the CD was created at least 3 days prior to signing day.

-Your title company will send you the (CD) to review prior to closing.

Get your keys, and MOVE IN!!