Buying a home, step by step

It depends on your income, your monthly debts, what you've saved, and the costs of the home itself, including taxes, insurance and any HOA dues. Start with the affordability calculator, then book a call. We'll set a budget you're comfortable with, not just the most a program allows.

Yes. Many buyers talk with us first, so they know their price range and which programs fit before they make an offer.

A prequalification is an estimate based on what you tell us. A preapproval goes further: your credit and documents are reviewed. A preapproval letter can make an offer stronger, but it isn't a final loan approval. The home still has to appraise, and underwriting still has to finish.

Usually recent pay stubs and W-2s, or tax returns if you're self-employed, plus recent bank statements, a photo ID and details on your other debts. If family is helping with funds, ask us how that money needs to be documented.

Get your budget and documents in order before you tour homes, and plan for closing costs as well as your down payment. We'll explain each program you may qualify for, in plain language.

Often, yes. You can sell first, buy first, or close both on the same day. Each choice changes your budget and timing, so tell us about your current home early and we'll map out the options.

That depends on your credit, income, savings and the home. Conventional, FHA, VA and non-QM loans each have their own rules and costs. We'll compare the ones you may qualify for side by side.

There's no single number. Each program and lender sets its own credit guidelines, and your credit also affects your pricing. We'll review your credit with you and explain which programs may fit.

An appraisal checks the home's value and underwriting verifies your file. A home inspection, if you get one, checks its condition. Before closing you'll get a Closing Disclosure, so you can review the final terms and costs.