Buyer Guide

Ten steps from first idea to keys in hand. Open each step, and check it off as you go. Your progress is saved in this browser.

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  1. Check your credit, decide how much you are comfortable paying monthly (not just what a lender will approve), and talk to a lender about pre-approval. A pre-approval letter makes your offers stronger.

    • Down payment plus closing costs (typically a few percent of the price)
    • Cash reserves after closing
    • Property taxes and insurance in the monthly payment

    Tip: Avoid new debt, big purchases, or job changes until after closing.

  2. Make two lists: must-haves and nice-to-haves. Be flexible on cosmetic items and firm on things you cannot change, like location and layout.

    Tip: In Pennsylvania, taxes vary by both municipality and school district, so two similar houses a mile apart can have very different tax bills.

  3. Set up a search, tour homes in person, and take notes and photos. Look beyond staging at the bones of the house.

    • Basement and foundation
    • Roof, gutters, and drainage
    • Age of furnace, water heater, and electrical panel
  4. Your offer becomes an Agreement of Sale once both sides sign. It covers price, deposit, closing date, what is included, and contingencies (conditions such as inspection and financing).

    Tip: Price is only part of a strong offer. Terms, timing, and contingencies matter too.

  5. Inspection periods are short, so line up inspectors right away. Beyond a general home inspection, consider:

    • Radon testing
    • Sewer line camera inspection (older neighborhoods)
    • Well water and septic inspections, if the home has them
    • Termite / wood-destroying insect inspection
  6. Based on the inspection reports, you can ask the seller to fix items, give a credit, adjust the price, or you may be able to walk away under the terms of your agreement.

    Tip: Focus on safety, structural, and big-ticket items rather than small cosmetic ones.

  7. Your lender will order an appraisal and underwrite the loan. Respond to document requests quickly.

    Tip: Do not open credit cards, finance furniture, or change jobs before closing.

  8. A title company searches the property history and provides title insurance. Get homeowners insurance quotes early, and check whether the property is in a flood zone.

  9. Within about a day of closing, walk the home to confirm it is in the agreed condition, repairs were done, and everything that should stay is still there.

  10. Review your closing figures ahead of time, bring photo ID, and arrange funds as instructed. In Pennsylvania, a realty transfer tax applies at closing. It is commonly split between buyer and seller, but that is negotiable, so confirm the numbers with your title company.

    Tip: Wire fraud is real. Always confirm wiring instructions by calling a known phone number, never one from an email.

General information only, not legal, tax, or financial advice. Every deal is different, so check specifics with your agent, attorney, and lender.

Talk to Chris about your plan