Steps to Home Ownership
Step 1. Access your Finances
Review your savings, income, & credit score. Determine a realistic budget for your home purchase, including down payment, closing costs, and moving expenses.
Step 2. Get Pre-Approved
Contact a lender to obtain pre-approval for a mortgage. Don’t have a lender, we can help! This strengthens your position with sellers and helps define your price range.
Step 3. Define your Needs & Wants
List must-have features (number of bedrooms, location, yard size) and nice-to-haves. Consider long-term needs such as schools, commute, and future resale value.
Step 4. Contact Legacy Insurance & Real Estate
Choose a knowledgeable local agent to guide you through the process, provide listings, and negotiate on your behalf.
Step 5. Start House Hunting
Tour homes in your price range. Take notes and photos to compare properties.
Step 6. Make an Offer
Work with your agent to submit a competitive offer based on market value. Be prepared for negotiations with the seller.
Step 7. Complete Appraisals & Inspections
Ensure the home is in good condition and confirm its value with a professional appraisal.
Step 8. Finalize Financing & Close the Sale
Sign final paperwork, pay closing costs, and complete legal requirements to officially take possession of your new home.
Step 9. Move In & Enjoy Your New Home!
Get your keys and start enjoying your new home!
Have more questions? Review our Buyer FAQs page or Contact Us