1. Mortgage Approval: Our agent will refer you to an expert mortgage partner who can help determine your price range with confidence.

2. Browse & View Properties: Browse properties directly on your REALTOR®'s website. You and your REALTOR® tour homes meeting your criteria. Your REALTOR® helps you evaluate their relative merits and true market value.

3. Make an Offer: When you're ready, your REALTOR® presents a written offer to the seller, along with the earnest money deposit. The seller generally accepts your offer or begins negotiations with a counteroffer.

4. Reach Agreement: With your REALTOR® acting as your skilled negotiator, you and the seller agree on price and terms, including a settlement date.

5. Contract of Sale: Your earnest money deposit is placed in an escrow account as specified in your contract.

6. Schedule Home Inspections: The home inspection, as well as any necessary inspections [pest, radon, etc.] are scheduled. Should any concerns arise, your REALTOR® will help you and the seller resolve them.

7. Settlement Confirmations: Date and location of settlement is confirmed with your REALTOR® and the settlement company.

8. Appraisal & Financing Finalization: Your lender finalizes the details of your loan and schedules an appraisal of the home.

9. Final Closing Costs: Receive final closing disclosure from your lender, which shows the amount you need to bring to settlement.

10. Final Walk-Through: You and your REALTOR® visit the home to ensure that everything that’s supposed to be conveyed is present and in the condition you expected, with nothing unwanted left behind.

11. Settlement: Sign mortgage and other documents, provide certified funds for the required amount, and the seller is paid and you receive the keys!