1. Are you ready to buy?
Stable income, a sense of how long you'll stay (3–5+ years), and a basic budget. Owning isn't always cheaper than renting, but it builds equity.
2. How much house can you afford?
Use the 28/36 rule: housing ≤ 28% of gross income, total debt ≤ 36%. Our calculator gives you a real monthly number.
3. Get your credit in shape
Pull your reports for free at annualcreditreport.com. Pay down balances under 30% of limit. Don't open new accounts for 6 months before applying.
4. Get pre-qualified
Soft pull, 24–48 hours, a letter to bring to offers. This is step zero of the real process.
5. Find a great agent and shop
A buyer's agent costs you nothing, the seller pays. Look for someone who knows your target towns.
6. Make an offer
Your pre-qual letter goes in with the offer. We can usually update it in 30 minutes for the exact price.
7. Application & underwriting
Full doc package, appraisal, title work. Typically 21–30 days. We update you weekly.
8. Closing day
Sign, fund, get the keys. Bring ID and be ready for happy tears.