Money first
Keep this list short enough to scan on a phone. Expand the details on the buyer’s guide when someone needs payment math, inspection notes, or HOA questions.
- Talk to a lender before touring seriously
- Know your max payment, not just max price
- Budget for inspection, appraisal and closing costs
Before you book a showing
- Filter for must-haves: beds, baths, neighborhood, commute
- Save 3–5 homes, not 20
- Write questions about roof, systems, parking and HOA
At the tour
- Walk the lot edges, not just the kitchen
- Check storage, parking and cell signal
- Ask what stays with the sale
After you fall for a place
- Schedule inspection contingencies early
- Compare payment estimates side by side
- Decide your walk-away number before writing an offer
