The Home Buying Process

Buying a home can feel overwhelming at first, but once you understand the steps, it becomes much more manageable. Knowing what to expect not only reduces stress, but also helps you feel confident if any challenges pop up along the way.

To help you start your journey with clarity, we’ve put together a simple, step-by-step guide to the home-buying process. Follow these steps so you can begin your search informed, prepared, and ready to make an offer when you find the one.

Step 1: Check Your Credit

Before speaking with a lender or hiring an agent, it’s a good idea to check your credit report. You’re entitled to one free report each year.
Your credit score will influence your interest rate and the types of loans you qualify for. As a general guide:

• A strong credit score is 720+

• FHA loans typically require a minimum of 580

Knowing where you stand helps you understand what’s possible.

Step 2: Set a Realistic Budget

Before falling in love with a home, decide how much you’re comfortable spending each month. Even if you qualify for a large loan, that doesn’t always mean the payment will feel right long-term.

Use a mortgage affordability calculator, research your local market, and think about what fits your lifestyle—not just your loan approval amount.

Step 3: Choose an Agent You Trust

Your real estate agent will be your guide through the entire process, so finding the right fit matters. Read reviews, talk to friends and family, and meet with a few agents if needed. Don’t hesitate to ask questions; your agent should make you feel comfortable, supported, and informed.

Step 4: Get Pre-Approved

A pre-approval letter shows sellers that you’re a serious and qualified buyer. Your lender will review your financial information and let you know how much they’re willing to lend.


Having this letter in hand strengthens your offers and gives you a clearer idea of your price range.

Step 5: Start Touring Homes

Now comes the fun part! By this point, you should know what you’re looking for and what you can afford. Your agent will help you explore neighborhoods, search for new listings, and spot good opportunities based on your goals and needs.

Step 6: Make an Offer

When you find a home you love, your agent will guide you through writing an offer. They’ll help you decide on a competitive price, structure your terms, and include any needed contingencies, like inspections or financing needs, based on the market conditions.

Step 7: Schedule a Home Inspection

If your offer includes an inspection, this step is essential. A professional inspector will look for defects or repairs that may not be visible during a showing.


If issues come up, your agent can help you negotiate repairs or concessions. This is also a great time to take measurements and plan ahead for furniture or renovations.

Step 8: Set Up Insurance and Utilities

If you already own a home, transferring insurance is easy; just call your agent. If this is your first home, you’ll need to purchase homeowners' insurance before closing.


Your lender will require it, and it protects your investment.


Be sure to set up utilities for your move-in date so everything is ready when you arrive.

Step 9: Closing Day

This is the big day! You’ll review and sign all the documents that officially make the home yours. Your agent will be by your side to answer questions and ensure everything is correct.


Once the paperwork is finished, you’ll receive the keys to your new home.

Step 10: Move In!

Congratulations, you did it! After the closing, you can move in on the date outlined in your contract. Now it’s time to settle in, decorate, and truly make the space your own.


Once you’re unpacked, it’s a great moment to explore the many benefits of homeownership.

Ready to Start Your Home-Buying Journey?


Buying a home can feel easier when you have someone guiding you every step of the way. I’d love to learn more about your goals and help you find the right home in Savannah or the surrounding Coastal Georgia communities.

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Office: Fathom Realty GA, LLC
Serving Greater Savannah GA Area

Mobile: (912) 574-4505

Office: (888) 455-6040

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