Illustrated graphic features first-time homebuyers and real estate agent beginning the homebuying process. Illustrated graphic features first-time homebuyers and real estate agent beginning the homebuying process.

The homebuying process

Before you can imagine moving into your new home, you’ll need to move through the steps of securing a loan.

Man sits at dining room table researching homes for sale on his laptop.

Finding your first-home fit

You’re starting a thrilling journey! Let's explore what you and your family are most excited about when you’re ready to buy a home.

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Pre-qualification vs. pre-approval

Knowing the difference is an important step in the approval process. Why? It’ll help you and your mortgage lender determine your ideal buying price range.

Pre-qualification vs. Pre-approval Snapshot of finances Icon of photo snapshot camera. Deep dive into finances General estimate of what you may be eligible to borrow Icon of two chat bubbles with dollar sign in the middle identifies estimating finances. What you actually qualify for No formal application or credit check Icon of a document containing a checkmark. Application and credit check required (hard hit) Great way to begin house-hunting Icon of a house. Required for formal offer on a home Needs updated every ~30 days Icon of a calendar representing the passage of thirty days. Good for 30-90 days

Begin the pre-approval process today

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Finding a real estate agent

Knowledgeable and trustworthy real estate agents can make a significant difference in your experience.

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Family tours home for sale with real estate agent.
Cover page of personal house hunting checklist pdf.

The home search process

Your agent can help you be realistic about wants vs. needs. There’s a home waiting out there that will fit what you’re looking for!

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Ready to make an offer

Once you’ve found your dream home, work with your agent to negotiate and schedule a home inspection. Home sale agreements typically include loan contingencies – read about them below.

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Yellow and black living room of someone’s potential dream home.

Begin the pre-approval process today