Your home-buying roadmap
Eight steps.
One clear path to your keys.
Whether this is your first home or your next one, the path looks the same: eight milestones from a first conversation to the day you get the keys - so you always know what's next.
Discovery
A conversation about your goals, timeline, and a comfortable budget - no pressure, no obligation.
Week 0Pre-approval
We verify income, assets, and credit and hand you a letter - so you shop with confidence and make strong offers.
Week 0-1Shop & tour
Your Realtor lines up homes that fit; tour, compare, and find the one that checks your boxes.
Week 1-3Make an offer
Write a competitive offer and negotiate price and terms - seller credits toward closing costs can often be included here.
Week 3-4Under contract
Inspection and appraisal happen here; lock your rate and finalize the loan with your lender.
Week 4-5Underwriting
The lender's final file review. Answer any conditions quickly - this keeps closing on time.
Week 5-6Clear to close
Final closing disclosure, final walk-through, and a plain-English review of your numbers.
Week 6-7Keys!
Sign, fund, record - the home is yours. We review your equity and rate together every year.
Week 6-8Four things to have handy before you start - missing something? Start anyway, we fill gaps as we go.
Photo ID
For each buyer on the loan.
Income docs
Recent pay stubs (or returns if self-employed).
Asset statements
About two months of bank/investment.
Credit
A soft pull to start - no score impact; a hard pull only at full application.
See your own numbers - free
Scan the code or reach out. We build your personalized picture: what you can comfortably afford, your estimated monthly payment, and typical closing costs - no obligation.