The First-Time Homebuyer's Ultimate Checklist

Buying your first home is an exciting milestone — but it can also feel overwhelming without the right plan and support. That’s why I’ve created this comprehensive checklist to guide you through the process, from financial prep to move-in day.

As a dedicated real estate agent, I’ll be by your side through every step, offering local insight, trusted vendor referrals, and strategic support to help you find the perfect home — and feel confident doing it.

✅ 1. Evaluate Your Financial Readiness

Before we even look at homes, let’s make sure you’re financially ready.

• Check your credit score (aim for 620+, ideally 740+ for best loan terms)

• Calculate your debt-to-income (DTI) ratio (lenders typically prefer under 43%)

• Create a budget that includes your monthly payment, property taxes, insurance, maintenance, and closing costs

• Start saving for a down payment (typically 3–20%) and closing costs (2–5%)

💬 Need help finding a mortgage lender? I work with fantastic professionals like Julius Harris, JoAnn Smith, and Anthony Valentino — and I’d be happy to make an introduction.

💳 2. Get Pre-Approved for a Mortgage

Getting pre-approved shows sellers you’re serious and gives us a clear price range.

• Gather tax returns, W-2s, bank statements, and pay stubs

• Compare lenders for rates and fees

• Learn about different loan types: FHA, VA, conventional, etc.

🔑 Pro tip: You can apply with multiple lenders as long as you do it around the same time (within 14–45 days), so your credit only gets one "hit."

📝 3. Define Your Priorities

Let’s clarify what matters most to you:

• Location — commute, schools, walkability

• Home type — condo, townhouse, single-family

• Must-haves vs. nice-to-haves — your personal wishlist

• Future plans — resale potential, growing family, work-from-home space

🎯 We’ll tailor your home search based on your priorities to avoid wasting time on homes that aren’t the right fit.

👩‍💼 4. Work With a Real Estate Agent Who Puts You First

Working with the right agent (👋 that’s me!) can make all the difference.

• I’m here to negotiate for you, guide you through inspections, handle paperwork, and make the whole process as smooth as possible.

• We’ll also review and sign a Buyer Agreement — it outlines my commitment to working in your best interest.

📅 After pre-approval, let’s schedule a time to go over your agreement, talk next steps, and start booking showings.

🏠 5. Start Touring Homes

This is where it gets fun! With your budget, pre-approval, and wishlist in hand, we’ll start house hunting.

• I’ll coordinate showings and provide insights into every property we tour

• Take notes and photos to keep things clear

• Don’t rush — I’ll help you stay focused and grounded

📸 Not ready to decide after a few homes? No problem. We’ll keep looking until it feels right.

💼 6. Make a Smart, Competitive Offer

Once you’ve found "the one," we’ll work together to craft a winning offer.

• I’ll use market data and comparable sales to guide our strategy

• We’ll include contingencies for inspection, financing, and appraisal

• I’ll handle all negotiations on your behalf

💡 My goal: protect your interests while helping you secure a great deal.

🔍 7. Schedule a Home Inspection

Even if everything looks perfect, an inspection is crucial.

• I’ll recommend certified, trusted inspectors

• You’re welcome (and encouraged) to attend

• After reviewing the report, we’ll decide whether to request repairs or credits

🔧 Need repair contractors or estimates? I’ve got a network of pros ready to help.

💰 8. Finalize Your Mortgage

• Submit any remaining paperwork to your lender

• Lock in your mortgage rate

• Review your final loan estimate to avoid surprises

📑 Don’t worry — I’ll help you understand all those numbers and terms.

📦 9. Get Ready for Closing

Almost there!

• Review your closing disclosure

• Do a final walk-through to confirm condition

• Bring valid ID, certified funds, and any required docs

🎉 You’ll sign papers, get the keys, and officially become a homeowner!

🛋️ 10. Move In and Get Settled

Congrats, homeowner! A few important steps post-closing:

• Change the locks

• Set up utilities (need help? I’ll guide you)

• Update your mailing address

• Start a home maintenance savings fund

🎁 Bonus: If your new home qualifies, you’ll receive a complimentary ADT Smart Home Security System (valued at $2,000) on me!

💼 Why Work With Me?

When you work with me, you’re not just hiring a real estate agent — you’re gaining a support system. Here’s what you can expect:

✅ A team that includes a loan officer and a transaction coordinator
✅ Personal introductions to lenders, inspectors, movers, and contractors
✅ A personalized moving checklist and area guide
✅ Help setting up utilities and transferring services
✅ Bonus perks like relocation support and a free ADT system (where applicable)

💬 Ready to Start Your Home Buying Journey?

Whether you're just beginning or ready to tour homes, I’d love to help. Let’s chat about your goals, get you connected with trusted professionals, and create a personalized plan that works for your timeline.

📞 Reach out today — I’m here to make your first home purchase exciting, informed, and totally stress-free.