Your agent will help you determine a fair price based on "Comps" (recent sales of similar homes nearby).
As a buyer, having a Realtor is usually free (the seller pays the commission). They handle the paperwork, negotiations, and scheduling.
A higher score equals a lower interest rate. If yours is under 620, consider a few months of "credit repair" before applying. home buying guide pdf
A pre-approval letter tells sellers you’re a serious buyer with backed funding. In a competitive market, you can't win without one. Phase 2: Building Your Team
Look past the paint colors and staging. Check the age of the roof, the HVAC system, and the "vibe" of the neighborhood at different times of day. Your agent will help you determine a fair
You'll meet at a title company or attorney's office to sign a mountain of documents and wire your down payment.
This is the final deep dive into your finances by the lender. Pro tip: Do not make any large purchases (like a new car) or open new credit cards during this time! Phase 5: Closing Day A higher score equals a lower interest rate
Once the deed is recorded, the house is officially yours.