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Your First-Time Homebuyer Checklist

Finding a house you can call home can be daunting, but homeownership is closer than you think. Bookmark this page, so you know what to expect before, during and after your search.

GET FINANCING

  • Know your score. The higher your credit score, the easier it will be to secure financing and a reasonable interest rate. Figure it out here.
  • Set a budget. You’ve scrimped and saved for that down payment, but it’s also a good idea to make sure your budget covers additional long-term costs, like property taxes, any homeowners association or condo dues and insurance.
  • Get pre-approved. A pre-approval letter from a lender shows that you mean business and gives you a budget. Plus, an Owners.com agent can help you find a lender through our preferred providers.

START LOOKING

  • Start your search. Want hardwood floors or a shorter commute? You got it. Our preference-based tool personalizes your search beyond the basics. You’ll see the houses that best fit your needs first, so you don’t miss your dream home.
  • Tour homes. Click “Schedule a Tour” on any property page to connect with an experienced, local Owners.com agent. They’ll give you a closer look at your favorites, no strings attached. After your tours, your agent will send you personalized recaps, so you don’t forget the details.

MAKE AN OFFER

  • Decide on an amount. Avoid going too low or too high with your offer. Your agent can help you find the sweet spot to make sure you’re keeping up with the competition while staying within your budget.
  • Move quickly. Contemplate too long and another buyer could swoop in.

CLOSE THE DEAL

  • Decide who will handle your closing. The requirements for who oversees your closing vary depending on your state. An Owners.com agent can refer you to a preferred provider who can make your closing simple..
  • Schedule an inspection and appraisal. An appraisal assures your lender that the home is worth the price, and an inspection will alert you to any problems, so you can re-negotiate your offer to cover repairs.
  • Do a final walk-through. Doing so allows you to check the house one last time and make sure everything looks good.
  • Sign on the dotted line. A closing attorney can assist you, and your Owners.com agent can point you toward someone through our preferred providers. During the closing, you’ll sign documents to transfer ownership of the house, pay closing costs and any escrow fees, and get the keys. You did it. Congrats, homeowner!

For more helpful resources and information, visit our Advice page.

Homes near you:

43312 Greyswallow Ter
Ashburn, VA 20147 | 2 BEDS 2 BATHS
$340,000
44019 Gala Cir
Ashburn, VA 20147 | 4 BEDS 3 BATHS | 2614 FT²
$420,000
22393 Philanthropic Drive
Ashburn, VA 20148 | 5 BEDS 5 BATHS | 3667 FT²
$824,210
22391 Philanthropic Drive
Ashburn, VA 20148 | 4 BEDS 5 BATHS | 3852 FT²
$854,990
19105 Quiver Ridge Dr
Leesburg, VA 20176 | 5 BEDS 4 BATHS | 10454 FT²
$729,900
44403 Apache Cir
Ashburn, VA 20147 | 4 BEDS 5 BATHS | 8712 FT²
$735,000
20062 Northville Hills Ter
Ashburn, VA 20147 | 3 BEDS 4 BATHS | 2614 FT²
$527,500
20141 Blackwolf Run Pl
Ashburn, VA 20147 | 5 BEDS 5 BATHS | 13504 FT²
$825,000
44691 Wellfleet Drive #204
Ashburn, VA 20147 | 3 BEDS 3 BATHS
$679,900
44691 Wellfleet Drive #306
Ashburn, VA 20147 | 2 BEDS 2 BATHS
$599,900
20093 Crew Sq
Ashburn, VA 20147 | 2 BEDS 3 BATHS | 1307 FT²
$370,000
20492 Casablanca Dr
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 3485 FT²
$529,000
20393 Savin Hill Dr
Ashburn, VA 20147 | 5 BEDS 4 BATHS | 3920 FT²
$799,990
43125 Kendrick Sq
Ashburn, VA 20148 | 4 BEDS 5 BATHS | 2178 FT²
$579,900
43718 Middlebrook Ter
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 3049 FT²
$479,900
20427 Island West Sq
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 3485 FT²
$499,500
20700 Ashburn Station Pl
Ashburn, VA 20147 | 4 BEDS 5 BATHS | 20473 FT²
$749,000
21770 Harroun Ter
Ashburn, VA 20147 | 3 BEDS 4 BATHS | 2614 FT²
$484,900
21845 Goodwood Ter
Ashburn, VA 20147 | 2 BEDS 2 BATHS
$335,000
44296 Panther Ridge Dr
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 4792 FT²
$595,000
43817 Riverpoint Dr
Leesburg, VA 20176 | 5 BEDS 5 BATHS | 8712 FT²
$799,000
20150 Valhalla Sq
Ashburn, VA 20147 | 3 BEDS 4 BATHS | 4792 FT²
$615,000
43622 Lees Mill Sq
Leesburg, VA 20176 | 3 BEDS 4 BATHS | 3049 FT²
$519,000
20655 Hope Spring Ter Apt 207
Ashburn, VA 20147 | 2 BEDS 2 BATHS
$389,999

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