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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:

20396 Brightcrest Ter
Ashburn, VA 20147 | 2 BEDS 2 BATHS
$325,000
44004 Florence Ter
Ashburn, VA 20147 | 3 BEDS 4 BATHS | 1742 FT²
$429,000
42365 Zebulon Sq Lot 5836
Ashburn, VA 20148 | 3 BEDS 5 BATHS
$652,486
19355 Cypress Ridge Ter Unit 415
Leesburg, VA 20176 | 2 BEDS 2 BATHS
$340,000
10 Cumulus Terrace
Ashburn, VA 20148 | 3 BEDS 3 BATHS
$619,990
9 Cumulus Terrace
Ashburn, VA 20148 | 3 BEDS 3 BATHS
$609,990
8 Cumulus Terrace
Ashburn, VA 20148 | 3 BEDS 3 BATHS
$609,990
44188 Shady Glen Ter
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 1307 FT²
$359,900
19375 Cypress Ridge Ter Unit 710
Leesburg, VA 20176 | 2 BEDS 2 BATHS
$305,000
43585 Wild Ginger Ter
Leesburg, VA 20176 | 4 BEDS 5 BATHS | 4356 FT²
$649,990
21793 Ryan Park Ter
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 1742 FT²
$469,000
20476 Cool Fern Sq
Ashburn, VA 20147 | 4 BEDS 4 BATHS | 1307 FT²
$395,000
43537 Michigan Sq # RS2
Leesburg, VA 20176 | 3 BEDS 3 BATHS
$589,000
44267 Oldetowne Pl
Ashburn, VA 20147 | 6 BEDS 5 BATHS | 35284 FT²
$808,000
19375 Cypress Ridge Ter Unit 705
Leesburg, VA 20176 | 2 BEDS 2 BATHS
$249,900
43392 Wayside Cir
Ashburn, VA 20147 | 6 BEDS 5 BATHS | 10890 FT²
$689,900
20888 Conesus Sq
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 3485 FT²
$489,500
20133 Valhalla Sq
Ashburn, VA 20147 | 3 BEDS 4 BATHS | 4792 FT²
$649,900
22367 Trailview Crossing Ter
Ashburn, VA 20148 | 4 BEDS 4 BATHS | 2178 FT²
$710,000
20570 Hope Spring Ter Unit 206
Ashburn, VA 20147 | 2 BEDS 2 BATHS
$399,900
20617 Preakness Ct
Ashburn, VA 20147 | 3 BEDS 3 BATHS | 10890 FT²
$499,990
21925 Silverdale Dr
Ashburn, VA 20148 | 5 BEDS 5 BATHS | 11761 FT²
$750,000
44691 Wellfleet Drive #201
Ashburn, VA 20147 | 1 BEDS 1 BATHS
$399,900
43988 Riverpoint Dr
Leesburg, VA 20176 | 6 BEDS 5 BATHS | 8276 FT²
$798,000

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