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• Determine your budget: Before you start looking at homes, you should have a clear idea of how much you can afford. Take into account your income, expenses, and any other financial obligations you have.

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• Get pre-approved for a mortgage: Once you know your budget, it's a good idea to get pre-approved for a mortgage. This will give you a clear idea of how much you can borrow and help you focus your search on homes that are within your price range. For more information about mortgages click here:

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• Hiring a real estate brokerage & agent: Different brokerages specialize in different aspects of real estate. When selecting a brokergage, choose the one that aligns most with your home-buying goals. A good real estate agent can help you find the right home and guide you through the buying process. Look for an agent who has experience working with first-time homebuyers and who understands the local market.                 

• Hiring an attorney: Not all states require real estate attorneys, but it is recommended for your protection. You have the right to engage a real estate attorney at the beginning of any transaction, and you must provide their information to all parties before you begin your home search. 

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• Start your search: Once you secure your budget, brokerage, and real estate agent, you can start looking at homes. Make a list of your must-haves and nice-to-haves, and be prepared to compromise on some things. Your agent representation will help guide you through this.

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• Make an offer: When you find a home you like, your agent will help you make an offer. Your offer should be based on the condition of the home, the local market, and your budget.

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• Get a home inspection: Before you close on the home, you should have a professional home inspection. This will identify any issues with the home that may need to be addressed before you move in.                      

• Order an appraisal: For a lender to fund your new home purchase, you must get a professional appraisal. This determines the true value of the property to provide collateral against the loan. This helps protect both you and the lender.

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• Close the deal: Once the home inspection is complete, you can close the deal. This involves signing a lot of paperwork, so be prepared to spend some time at the closing table.