Find your happy place

Finding your dream home

Buying a home is a significant investment, and the process can seem daunting. I am here to guide you through each of the essential steps to make the process less stressful and more successful.

10 Essential Steps to Buying a Home

Determine your budget

To budget for a home, assess your finances- income, expenses, debts, and savings. Ensure that your housing expenses do not surpass 28% of your gross monthly income and your total debt-to-income ratio doesn’t exceed 36%.

Find an agent

To have a smooth and successful buying or selling process, you need a capable and reliable real estate agent. Look for agents who know your area. Make sure they communicate well, understand your goals and preferences, and have the necessary credentials and licenses.

Browse listings

To find your dream home, define what you’re looking for in terms of location, size, style, and features. Ask questions and trust your instincts. Be patient and persistent in your search.

Tour homes

When touring a home, consider its condition, storage, natural light, outdoor living spaces, privacy, and price.  See if it has sufficient rooms to fit your lifestyle, and assess the neighborhood’s amenities, safety, and security. 

Inspect the home

When inspecting a home, check both interior and exterior. Focus on the roof, walls, foundation for damage. Inside, inspect plumbing, electrical, HVAC, and appliances for issues like water damage, mold and pests. Note fire hazards, structural problems and safety risks.


To make the process stress-free, ensure that paperwork is accurate such as mortgage, insurance, title policies and inspection reports. Have available funds for closing costs like appraisal fees and attorney fees. Do a final walk-through before closing to see if everything is good and any needed repairs have been made. 

Secure financing

Check your credit score, decide on a monthly mortgage budget and shop around for lenders. You’ll need to provide required documents during the loan application process. Consider working with a mortgage broker for additional help.

Make an offer

Making a strong offer on your dream home is essential to securing it and involves having the financing secured, understanding comparable prices, adding contingencies, and considering the cost of repairs or renovations.


It’s important to do your research and approach the negotiation with confidence. Understanding the value of the home and the seller’s motivations will provide the best chance to get a great deal on you dream home.

Move in

Moving into a new home can be both exciting and stressful. Don’t forget to update personal information, subscriptions, and registrations with the relevant authorities. By taking these factors into consideration, you can ensure a smoother transition into your new home.

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Spokane Buyers Guide for real estate insights into buying your  new home, covering our process, unmatched services, and benefits.

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Carolyn Roberts

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