Before you start looking
- Check credit and fix errors; improve score if needed.
- Save for down payment and closing costs (often 2–5% of loan).
- Get pre-approved so you know your budget and show sellers you're serious.
- List must-haves vs. nice-to-haves.
During the search
- Stick to your budget; don't let emotion push you over.
- Factor in HOA fees, taxes, insurance, and maintenance.
- Visit neighborhoods at different times of day.
- Consider resale value and school district even if you don't have kids.
Offer and closing
- Get a home inspection and review the report carefully.
- Understand what's included in the sale (appliances, fixtures).
- Review closing disclosure before closing day.
- Do a final walkthrough right before closing.