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Steps to buy a home1. Assess your finances2. Check your credit score3. Determine your budget (consider down payment, monthly payments, closing costs)4. Save for a down payment (usually 3–20% of the purchase price)5. Get pre-approved for a mortgage6.Choose a lender and submit financial documents (W-2s, pay stubs, bank statements)7. Pre-approval gives you a clear price range and strengthens your offer8. Hire a real estate agent 9. An agent will guide you, negotiate on your behalf, and help you through the entire process10. Start house hunting11.Make a list of must-haves vs. nice-to-haves12.Tour homes in your budget and preferred location13.Make an offer14.Your agent helps you determine a fair offer price based on comps Include contingencies (e.g., financing, home inspection, appraisal).15. Get a home inspection Hire a licensed inspector to check the home’s condition Use the report to negotiate repairs or credits if needed16.Get the home appraised17.Your lender will require an appraisal to ensure the home’s value matches the loan amount Secure final loan approval Submit updated documents if needed Lock in your interest rate and sign the final loan documents18.Close the sale Review and sign all closing documents Pay your closing costs (typically 2–5% of the home price) Get the keys!19.Move In! Schedule movers, set up utilities, and start enjoying your new home