First‑Time Homebuyer Checklist

From budgeting to keys in hand — a simple path.

1. Budget + emergency fund (3–6 months).
2. Shop lenders; get fully underwritten pre‑approval.
3. Define search criteria & neighborhoods.
4. Tour homes with a clear decision scorecard.
5. Offer strategy: earnest money, contingencies, timelines.
6. Inspection & repair credit vs. fixes.
7. Appraisal & title review.
8. Final walkthrough & closing day.