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Buying a home is one of the most important financial decisions you’ll ever make. Use this checklist to stay organized, make informed decisions, and understand how we can support you throughout the process.
Review your income, expenses, and savings.
Estimate how much you can afford for a down payment (typically 5–20% of the home’s price).
Calculate expected monthly housing costs, including mortgage, taxes, insurance, and maintenance.
Tip: Use our online mortgage calculator to explore affordability scenarios.
Request your credit report and review it for accuracy.
Pay down debts and resolve any outstanding issues.
A higher credit score can lead to better interest rates.
Our Role: We offer free credit consultations to help you prepare.
Collect necessary documents: W-2s, pay stubs, tax returns, and bank statements.
Meet with one of our mortgage specialists to begin the pre-approval process.
A pre-approval letter shows sellers you’re a serious and qualified buyer.
Our Role: We provide fast pre-approvals and guidance on suitable loan options.
Learn about fixed-rate vs. adjustable-rate mortgages.
Explore government-backed loans such as FHA, VA, and USDA.
Understand terms, interest rates, and closing costs.
Our Role: We tailor mortgage solutions to your financial goals.
Choose an experienced agent who knows your local market.
Ask for referrals or check credentials and past client reviews.
Your agent will help you find listings, make offers, and negotiate on your behalf.
List your must-haves and nice-to-haves.
Attend open houses and schedule private showings.
Consider location, school districts, commute times, and property condition.
Work with your agent to craft a competitive offer.
Include contingencies such as financing, inspection, and appraisal.
Be prepared for negotiation and counteroffers.
Hire a certified inspector to evaluate the property.
Review the inspection report and address any issues or needed repairs.
Decide whether to move forward, renegotiate, or walk away based on the findings.
Submit final paperwork to your lender.
Lock in your interest rate, if applicable.
Complete the underwriting process and receive a clear to close.
Our Role: We stay with you through every step to ensure a smooth process.
Review your Closing Disclosure at least three days in advance.
Bring valid identification and certified funds to the closing appointment.
Sign the final documents and receive your keys.
Schedule your move and transfer utilities.
Set up automatic payments through our online banking portal.
Reach out anytime for refinancing or future financial planning.
We’re With You Every Step of the Way
Open your First Reliance Bank account today and take the first step towards achieving your financial goals.
Find tips for managing money and learn more about what First Reliance does for the community.
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