So… How Do You Buy a House?
If you’ve ever found yourself wondering, how do you buy a house?, you’re in the right place. Whether you’re a first-time buyer or just need a refresher, this episode breaks down the entire home-buying process from start to finish. As two top-producing realtors with hundreds of transactions under our belts, we’re sharing exactly what buyers need to know—no fluff, just real talk.
This episode is designed for you, the buyer. If your realtor shared this with you—high five! You’re working with someone who truly wants you to understand the process. Agents, this is a great one to share with clients to help them get prepped and empowered before they start house hunting.
Start With the Budget—Not the Browsing
Browsing homes online is fun, but before you start clicking “schedule a showing,” step one is always the budget meeting. You’ll need to get pre-approved by a lender before setting up any showings. Why? Because opening the door to someone’s home is a serious responsibility, and agents must ensure buyers are financially vetted.
We explain why mortgage calculators aren’t enough, why every buyer needs a customized pre-approval, and how your job type, debt, and credit score all play a role in determining your buying power.
How to Choose the Right Lender and Loan
Many buyers default to using a bank or online mortgage tool, but not all lenders are created equal. In this episode, we walk you through:
- The difference between local lenders vs. national banks
- Why you should compare fee worksheets (not just interest rates!)
- What to know about credit scores and down payments
- Common loan types: Conventional, FHA, VA, and Rural Development
You’ll learn why it’s never too early to talk to a lender, and how this step alone can save you from future stress or disappointment.
Why Picking the Right Agent Matters
Buying a home isn’t just about the numbers—it’s about having someone in your corner. We cover how to choose a buyer’s agent who knows the local market, communicates well, and has the right experience. Whether it’s your sister’s first year in real estate or a seasoned pro, the most important factor is local expertise and trust.
We also discuss the biggest mistake buyers make: contacting the listing agent directly or clicking random buttons online. Spoiler alert: that person does not represent your interests.
Buyer Rules You Need to Know
Before you start scheduling showings, there are a few essential “buyer rules” you need to know:
- Never contact the listing agent directly.
- Don’t click “schedule a showing” online—always go through your agent.
- Don’t visit model homes, open houses, or new construction without your agent.
- Tell your agent when you find a home online you want to see.
- Never assume you’ll save money by skipping representation.
These rules protect you and your transaction.
Showings, Offers, and Negotiations
When you’re finally ready to see homes, we walk you through what happens at each showing—from reading property disclosures to keeping a poker face (thanks to doorbell cams). We also explain:
- How to make a competitive but smart offer
- What “comps” are and how they guide your offer price
- The dangers of lowballing and losing the house entirely
- How pre-approval letters are customized for your offer
We even talk about how emotions and seller psychology can affect negotiations—and what not to say in the house.
Inspections, Appraisals, and Title Work
After your offer is accepted, you’ll spend your first money on inspections. We break down:
- What types of inspections you may need
- What happens if something comes back “bad”
- How to negotiate repairs
- When to order the appraisal
- Choosing a title company and starting the title work
Inspections are your opportunity to walk away or move forward with confidence. This is where an experienced agent becomes your guide and advocate.
Preparing for Closing
You’re almost there! During the last stretch before closing, you’ll:
- Secure final homeowners insurance
- Choose a closing date (and stick to it)
- Schedule utilities and services
- Get your final cashier’s check
- Do your final walkthrough to confirm the home’s condition
We explain why deadlines matter, what happens if financing is delayed, and why closing isn’t official until you sign the papers.
After Closing
You’ve got your keys! Now what?
- Update your address
- File for your homestead exemption (if applicable)
- Write a review for your agent
- Refer them to your friends
- Celebrate—you’re a homeowner now!
Share This With a Buyer
Agents: this episode is your new go-to resource to help buyers understand the process. Send it after pre-approval or include it in your email templates!
Buyers: if someone sent you this episode, they care about you having a smooth experience. You can confidently answer the question, how do you buy a house?—and even help others who are starting the same journey.
