Buying your first home is a big milestone and while it can feel overwhelming, having the right plan makes all the difference. From getting your finances ready to closing day, each step moves you closer to holding the keys to your new home.
At the Lucas Howard Group, we’re here to guide you through the process with confidence and clarity.
Step 1: Get Your Finances Ready
Before looking at homes, start by reviewing your finances. Check your credit score, a score of 640 or higher is typically needed for a conventional loan.
Organize your income documents, review your budget, and talk with a lender to understand how much you can comfortably afford. Getting pre-approved early makes you a stronger buyer when it’s time to make an offer.
Step 2: Meet with an Agent and Create a Game Plan
Your next move is meeting with an experienced real estate agent who can guide you through the process. Together, you’ll build a strategy that fits your goals, timeline, and budget.
This meeting helps you focus on what matters most like neighborhoods, price range, and must-have features so you don’t miss out when the right home appears.
Step 3: Tour Homes and Make an Offer
Now comes the fun part—house hunting!
Most buyers see a few homes before finding the one that feels right. When you’re ready, your agent will help you write a strong, competitive offer and handle all the details of negotiations.
Step 4: Inspections, Appraisal, and Closing
Once your offer is accepted, you’ll move through the final steps: inspection, appraisal, and closing.
The inspection ensures the home is in good condition and free of major issues. The appraisal confirms that the price matches the home’s value. After that, you’ll sign the closing documents and officially become a homeowner!
The Bottom Line
The home buying process can seem complicated, but it doesn’t have to be. With the right guidance and preparation, you can move confidently toward owning your first home.
Call the Lucas Howard Group today to start your homeownership journey with a trusted team by your side.