Before starting your home search, it’s important to assess your finances. Consider your income, expenses, and credit score to determine how much you can comfortably afford. Budgeting for homeownership also includes saving for a down payment, closing costs, and potential maintenance expenses.

Pre-approval from a mortgage lender gives you a clear understanding of your price range and strengthens your offer when you find the right home. The lender will review your credit score, income, and debt to determine how much they’re willing to lend you.

Once you have a budget and pre-approval, it’s time to start searching for a home that meets your needs. Consider factors like location, size, amenities, and future value. Working with a trusted real estate professional can help you navigate the market and find the perfect fit.

After finding a home, you’ll submit an offer that outlines your purchase price and any conditions. The seller may accept, reject, or negotiate the terms. Your real estate agent will guide you through this process to ensure you get the best deal possible.

Once your offer is accepted, you’ll go through the closing process, which includes inspections, finalizing your mortgage, and signing all necessary paperwork. After closing, you’ll receive your keys and officially become a homeowner!