Buying a home has a lot of moving parts, but the process itself is predictable. Here's the whole thing, start to finish, so nothing catches you off guard.
The steps
- Free consultation — we talk goals, timeline, and your financial picture. No application yet.
- Pre-approval — I review your documents and credit, and hand you a letter that actually carries weight.
- House hunting & offer — you and your agent find the home; I help structure the offer to win and close.
- Processing & underwriting — appraisal, title, and a full review of your file.
- Clear to close — you get your Closing Disclosure and a 3-day review window.
- Closing day — you sign, funds transfer, and you get the keys.
The part most people underestimate
The strength of your pre-approval shapes everything downstream. A real, document-backed pre-approval makes your offer credible and your closing smooth. A weak one creates surprises at the worst time.
You don't have to memorize this. My job is to guide you through each step and tell you exactly what's needed and when — no radio silence.
See it visually
I built a mortgage roadmap that walks through every step with timeframes and what you'll need at each one. Then, when you're ready, let's start with that first conversation.
This article is general education, not a commitment to lend or an offer of credit. Program availability, terms, rates, and qualification guidelines vary by lender and are subject to change; all loans are subject to underwriting and final approval. Market figures are approximate and change over time. For guidance specific to your situation, reach out directly. Garrett Potz, NMLS #631592 · Affinity Home Lending, Company NMLS #1181151 · Equal Housing Lender.