Five steps to the keys
From accepted offer to closing day usually runs 30 to 45 days. Everything before that moves at your pace.
What you'll actually spend
No one likes surprises at the closing table. Here's the order money leaves your account.
Earnest money
Deposited when your offer is accepted. It credits back to you at closing.
Home inspection
Paid out of pocket during due diligence. Be there and ask questions.
Appraisal
Ordered by your lender to confirm the home supports the loan amount.
Down payment & closing costs
Wired before closing. VA-eligible buyers may put nothing down.
The buyer's guide, free to download
A step-by-step overview of the home buying process, start to finish. Available in English and Spanish.
Take it with you
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Questions buyers ask
When should I start the homebuying process?+
When you feel ready. The initial consultation walks you through the entire journey so you can make an informed decision and move at whatever pace works, fast or slow.
Do I talk to a lender or a Realtor® first?+
Your Realtor®. The consultation gives you a clear picture of the process from beginning to end. From there, you'll get pre-qualified with a lender when you're ready.
What credit score do I need?+
Many lenders can approve buyers with a score as low as 560, but score is only one factor. Debt-to-income ratio, income stability, and documentation all matter. We help you understand the full picture before you start shopping.
How do I make a competitive offer?+
Real-time market data sets a fair price. To stand out, we also talk to the listing agent, tailor terms to what the seller actually needs, and coordinate with your lender so your strength as a buyer is obvious.
How long does it take?+
From accepted offer to closing is usually 30 to 45 days. Inspections, appraisal, title work, and the final walk-through all happen in that window.