A step-by-step checklist covering everything from checking your credit to closing day. No surprises.
Buying your first home doesn't have to be scary. Here's every step in order so you know exactly what's coming.
Check your credit score
Pull your free report at AnnualCreditReport.com. Scores above 620 open most loan options; 580+ qualifies for FHA. If your score needs work, that's okay — we'll build a plan.
Get your finances organized
Add up your monthly income, debts, and savings. Lenders look at your debt-to-income ratio (DTI) — ideally under 43%. Know where you stand before we talk numbers.
Save for your down payment & closing costs
You don't always need 20% down. FHA loans start at 3.5%, VA loans require $0 down, and Washington has assistance programs. Budget 2–5% of the purchase price for closing costs.
Get pre-approved (not just pre-qualified)
Pre-approval means a lender has verified your income, assets, and credit. It tells sellers you're serious and shows you exactly what you can afford.
Find a real estate agent
Work with someone who knows your target area. A good buyer's agent costs you nothing — the seller pays their commission.
Start house hunting
Make a must-have vs. nice-to-have list. Visit homes in person when possible. Don't skip the neighborhood drive-by at different times of day.
Make an offer
Your agent will help you write a competitive offer. In Washington's market, be ready to move quickly on homes you love.
Complete the loan application
Once your offer is accepted, we finalize your mortgage application. I'll tell you exactly what documents to send — no guessing.
Home inspection & appraisal
The inspection protects you from hidden problems. The appraisal confirms the home's value for your lender. Both are essential.
Close on your new home
Review your Closing Disclosure, sign the paperwork, get the keys. Welcome home.
Most loan programs require a minimum 620 credit score. FHA loans allow scores as low as 580 with 3.5% down. VA loans have no official minimum, though most lenders want 580+. If your score needs work, I can help you build a plan to get there.
Typically 30–60 days from accepted offer to closing, but the full process — including getting pre-approved and house hunting — can take 2–6 months. Getting pre-approved early is the best way to speed things up.
Yes. Pre-approval shows sellers you're serious and financially qualified. In Washington's competitive market, most sellers won't consider offers without one. It also tells you exactly what you can afford so you don't waste time looking at homes outside your budget.
How Much House Can I Afford?
A simple breakdown of how lenders calculate what you qualify for — and how to think about it yourself.
Documents You'll Need for Pre-Approval
Pay stubs, tax returns, bank statements — here's exactly what to gather before we start your application.
Down Payment Assistance in Washington
Washington has several programs that can help cover your down payment and closing costs. Here's what's available.