Top 10 Things Homebuyers Need to Do Before and During the Home Buying Process

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Buying a home is one of the biggest financial and emotional decisions you’ll ever make. Whether you’re a first-time buyer or upgrading to your next home, being prepared before and during the process can save you time, money, and stress.

Below are the top 10 essential steps every homebuyer should take to ensure a smooth and successful home purchase.

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1. Check Your Credit Score Early

Before you ever start browsing homes, review your credit score. Your score impacts:

• Loan approval

• Interest rate

• Monthly payment

✔ Tip: Aim for a score of 620+ for most conventional loans, though higher scores unlock better rates.

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2. Determine Your Budget (Not Just What You’re Approved For)

Lenders may approve you for more than you’re comfortable spending. Consider:

• Monthly mortgage payment

• Property taxes

• Insurance

• Maintenance & utilities

A realistic budget ensures you enjoy your home without financial strain.

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3. Get Pre-Approved by a Lender

A pre-approval:

• Shows sellers you’re serious

• Strengthens your offer

• Speeds up the buying process

This step should happen before touring homes.

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4. Choose the Right Real Estate Agent

A knowledgeable local agent:

• Negotiates on your behalf

• Helps you avoid costly mistakes

• Understands neighborhood trends

Working with an experienced professional gives you a competitive edge—especially in fast-moving markets.

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5. Define Your Must-Haves vs. Nice-to-Haves

Before touring homes, clarify:

• Location

• Number of bedrooms/bathrooms

• Yard, garage, or office space

Knowing your priorities prevents emotional decisions and keeps you focused.

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6. Research Neighborhoods Thoroughly

Look beyond the house itself. Consider:

• Schools

• Commute times

• Future development

• Property values

Drive through neighborhoods at different times of day for a realistic feel.

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7. Make a Strong, Strategic Offer

Your agent will help you determine:

• Competitive pricing

• Contingencies

• Closing timeline

The best offer isn’t always the highest—it’s the most appealing to the seller.

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8. Schedule a Professional Home Inspection

Never skip this step. A home inspection can uncover:

• Structural issues

• Roofing or foundation concerns

• Electrical or plumbing problems

This protects your investment and may provide leverage for negotiations.

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9. Avoid Major Financial Changes During the Process

Once under contract:

• Don’t open new credit accounts

• Don’t change jobs

• Don’t make large purchases

Lenders recheck finances before closing, and changes can delay—or cancel—your loan.

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10. Prepare for Closing Day

Before closing:

• Review your Closing Disclosure

• Bring required funds

• Understand your final numbers

Once signed, the home is officially yours—congratulations!

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Final Thoughts

Buying a home doesn’t have to be overwhelming when you’re informed and supported by the right professionals. Preparation is the key to confidence, clarity, and success throughout the homebuying journey.

If you’re thinking about buying a home or want personalized guidance, working with a trusted local real estate expert can make all the difference.

Ready to Start Your Home Buying Journey?

If you have questions or want expert guidance tailored to your goals, reach out today to schedule a consultation and take the first step toward homeownership.