Checklist

The definitive home-buying checklist.

A step-by-step checklist that takes you from 'thinking about buying' to 'keys in hand.' Every phase — credit, savings, pre-approval, search, offer, inspection, and closing — broken down with expert guidance from license-verified buyer agents.

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01

Pre-search phase: credit-score targets, DTI optimization, and down-payment savings benchmarks.

02

House-hunting phase: needs-vs-wants frameworks, neighborhood vetting, and buyer-agent interview criteria.

03

Offer & negotiation phase: CMA analysis, escalation strategies, and contingency protection.

04

Due-diligence phase: inspection red flags, appraisal preparation, title review, and final walkthrough punch lists.

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Frequently asked questions

What should be on a home-buying checklist?
A complete checklist covers: credit repair, down-payment savings, lender pre-approval, needs-vs-wants list, neighborhood research, buyer-agent interview, property search, offer strategy, inspection, appraisal, title review, final walkthrough, and closing. Skipping any step exposes you to costly surprises.
How far in advance should I start the checklist?
Ideally 6-12 months before you want to move. Credit improvements take 3-6 months. Saving for down payment and closing costs takes longer. Starting early gives you leverage: better rates, stronger offers, and less stress.
What red flags should I watch for during inspection?
Foundation cracks, outdated electrical panels, polybutylene or galvanized plumbing, roof age beyond 20 years, HVAC near end of life, mold, radon, and previous unpermitted additions. A buyer-specialist agent will recommend inspectors who dig deep and advise which findings are deal-breakers vs. negotiation points.
Do I need a home warranty?
Home warranties cover systems and appliances for the first year, typically $300-600. They reduce post-closing risk but have service-call fees and coverage caps. Your agent can negotiate seller-paid warranties into the purchase contract.