: Secure your financing partner and, depending on state requirements, a real estate attorney for legal review. 4. Evaluating the Property

: Experts suggest monthly housing costs should not exceed 28% of your gross monthly income, and total debt payments should stay under 36%.

: Ensure your offer includes an inspection contingency. This allows you to walk away or renegotiate if major issues like a failing roof or foundation damage are discovered.

: A buyer’s agent scours the market, guides negotiations, and manages paperwork at no direct cost to most buyers. Interview multiple agents to ensure their experience matches your target area or property type.