The First-Time Buyer Checklist: From Pre-Approval to Keys

Buying your first home is a major milestone. With the right plan, it can also be a smooth one.

1. Get pre-approved

A pre-approval clarifies your budget and shows sellers you're a serious buyer.

2. Define your must-haves

• Location and commute
• Bedrooms, bathrooms and layout
• Schools, outdoor space and future plans

3. Search smart

Set up a personalized home search so you see new listings the moment they hit the market.

4. Write a competitive offer

Price is only one part of a strong offer. Terms, timing and presentation matter too — that's where expert negotiation pays off.