: Visit a lender to get a pre-approval letter, which shows sellers you are a serious buyer and confirms your budget.
: Review and sign your final documents, pay your closing costs, and receive the keys to your new home. Essential Documents You'll Need
: Plan for a down payment (typically 3%–20%) and closing costs (usually 2%–5% of the home price).
But First, Paperwork: 18 Key Documents You’ll Need to Buy a House
: Once the offer is accepted, schedule a professional home inspection and a bank appraisal to confirm the property's condition and value.
To move forward, you will need to gather these specific "papers" for your lender:
: Create a "must-have" vs. "nice-to-have" list (e.g., number of bedrooms, neighborhood) and start touring homes.
: Hire a real estate agent to represent your interests, find listings, and handle negotiations.