✅ Your Ultimate First-Time Homebuyer Checklist

Whether you're ready now or just starting out, this list will guide you through every major step.

📌 Before You Start Looking

• Check your credit score and report
• Get pre-approved by a lender
• Determine your budget and ideal home price range
• Explore mortgage types (FHA, conventional, USDA)
• Use online tools to estimate monthly costs

🏡 While House Hunting

• Research neighborhoods and schools
• Hire a buyer’s agent
• Attend open houses and ask the right questions
• Compare home insurance quotes

📄 During the Buying Process

• Make an offer and negotiate
• Schedule inspections and appraisal
• Finalize your mortgage loan
• Set your closing date

🎉 After Closing

• Switch utilities into your name
• Set up an emergency repair fund
• Celebrate your new home (and protect it with insurance!)

Next Step: Try our Mortgage Calculator or Rent vs. Own Comparison to help plan your path forward.