Every step,
explained.
Buying a home is one of the biggest financial decisions you’ll ever make — and it doesn’t have to feel overwhelming. Here’s exactly what to expect at each stage of the process, so you can move forward with confidence.
Six steps to
your new home.
The typical homebuying process takes 30–45 days from accepted offer to closing. Here’s what happens at each stage — and how I guide you through it.
Get Pre-Approved
Before you start browsing homes (the fun part!), we review your finances, credit, and income to determine how much you can comfortably afford. You'll receive a pre-approval letter that shows sellers you're serious.
Choose Your Loan Program
Based on your situation, I'll explain your options — FHA, conventional, VA, jumbo, or down payment assistance programs. I create a personalized video walkthrough of each option so you can compare on your own time.
Find Your Home
Work with a trusted real estate agent to find the right home for you. When you find the one, you'll make an offer. I'll be available to answer any financing questions your agent or the seller's agent has.
Go Under Contract
Once your offer is accepted, the real work begins. I'll guide you through documentation, appraisal, and underwriting. You'll receive video updates on your loan's progress every step of the way.
Complete Your Homework
During escrow, there are a few things you'll need to do — homeowner's insurance, a home inspection, and final document submission. I'll keep you on track with clear deadlines and video reminders.
Close on Your Home
At closing, you'll sign your final loan documents. Thanks to the videos I've provided along the way, there won't be any surprises — you'll know exactly what each document means and what you're agreeing to.
Questions buyers
always ask.
How long does the mortgage process take?
From pre-approval to closing, the typical timeline is 30–45 days. Pre-approval itself usually takes 1–3 business days. I'll keep you on a clear timeline with video updates so you always know where things stand.
How much do I need for a down payment?
It depends on the loan program. Conventional loans can be as low as 3%, FHA is 3.5%, and VA/USDA loans require zero down. I'll walk you through what fits your situation best.
What credit score do I need?
Credit score requirements vary by program. FHA loans accept scores as low as 580, conventional loans typically want 620+, and VA loans are flexible. I'll review your credit and explain what programs you qualify for.
Should I get pre-qualified or pre-approved?
Pre-approval is stronger and shows sellers you're serious. It involves a full review of your finances. Pre-qualification is a quicker, less formal estimate. I recommend starting with pre-approval.
What documents will I need?
Typically: pay stubs (30 days), W-2s (2 years), tax returns (2 years), bank statements (2 months), photo ID, and a brief explanation of any credit events. I'll provide a complete checklist personalized to your situation.
Tips from 28 years
in the business.
Don’t open new credit
After pre-approval, avoid opening new credit cards, financing a car, or making large purchases. These can affect your credit score and debt-to-income ratio.
Keep documentation handy
Have recent pay stubs, W-2s, and bank statements organized and ready. The faster you can provide documents, the faster your loan moves forward.
Budget for closing costs
Closing costs are typically 2–5% of the loan amount. I’ll give you a precise estimate during pre-approval so there are no surprises at the finish line.
Ready to start
your journey?
The best first step is a conversation. I’ll review your situation, explain your options with a personalized video, and give you a clear roadmap to homeownership.