Budget and Goals
Estimate total cost of ownership and define goals. Include buffers for maintenance and variability.
Preapproval
Obtain lender preapproval to clarify price range and strengthen offers. Avoid new credit activity during review.
Home Search
Prioritize location, condition, and long‑term fit. Consider schools, commute, and insurance availability.
Inspections
Order comprehensive inspections. Use findings to negotiate repairs or price adjustments.
Offers and Negotiations
Balance competitiveness with contingencies. Review comps and maintain discipline against emotional bidding.
Appraisal and Title
Coordinate appraisal, title search, and insurance readiness. Resolve issues promptly.
Closing Process
Review disclosures, verify funds, and confirm occupancy plans. Understand settlement statements.
Post‑Close Plan
Set up utilities, maintenance schedules, and reserves. Revisit budgets and insurance coverage.
Selling Preparation
Stage property, address repairs, and price with market data. Optimize listing photography and disclosures.
California Considerations
Account for local taxes and insurance constraints, wildfire risk, and disclosure requirements.