From mortgage pre-approval to getting the keys, we've broken down every step of the home buying journey so you can make confident decisions.
We've simplified the process into clear, manageable steps so you know exactly what to expect.
Before shopping for homes, determine your budget. A pre-approval letter from a lender shows sellers you're serious. We'll connect you with trusted mortgage professionals who will review your finances and issue a pre-approval — typically within 24-48 hours.
Sit down with your BAY MAX agent to outline your priorities. We'll discuss neighborhoods, property types, must-haves versus nice-to-haves, schools, commute times, and lifestyle preferences to create a targeted search strategy.
Now the exciting part — viewing properties. We'll schedule private showings and accompany you to open houses. Our agents will point out details you might miss: structural integrity, renovation potential, and resale value considerations.
When you've found the one, we move fast. We'll analyze comparable sales, assess market conditions, and craft a strategic offer that protects your interests while remaining competitive. We handle all negotiations so you get the best possible terms.
Once your offer is accepted, we coordinate professional inspections — general home, pest, roof, and any specialty inspections needed. We review the reports together and, if issues arise, negotiate repairs or credits with the seller.
Your lender orders an appraisal to confirm the property's value. Meanwhile, we ensure all paperwork is in order — title search, homeowners insurance, and final loan documents. We track every deadline so nothing falls through the cracks.
The big day arrives. You'll do a final walkthrough, sign the closing documents, transfer funds, and receive your keys. We'll be right there with you — and our relationship doesn't end at closing. We're your real estate partner for life.
Standard loan with competitive rates. Typically requires 3-20% down. Best for buyers with strong credit (620+).
Government-backed loan with as little as 3.5% down. More flexible credit requirements (580+).
Zero down payment for eligible veterans and active military. No mortgage insurance required.
Zero down for eligible rural and suburban properties. Income limits apply. Great for first-time buyers.
Pull your credit report 3-6 months before you plan to buy. Dispute errors and pay down revolving debt to boost your score.
Factor in property taxes, insurance, HOA fees, maintenance, and utilities. Your total housing cost should be under 28% of gross income.
Closing costs typically run 2-5% of the purchase price. Budget for this in addition to your down payment.
Let's find your dream home together. Schedule a free consultation with one of our buying specialists today.
