Here you’ll find the eight basic steps involved in the home-buying process.
1. Determine What You Can Afford
- List monthly expenses—including subscriptions, childcare, and utilities.
- Compare to your income to find a comfortable home payment range.
- Don’t assume the lender amount is your comfort limit—only you decide what you can comfortably afford.
2. Get Preapproved for a Mortgage
- Contact a trusted lender for a pre-approval letter—it shows sellers you’re serious and speeds up closing.
- Not sure where to start? We can connect you with local lenders.
3. Find a REALTOR® & Start House Hunting
- Reach out to Kirk & Cobb for expert guidance tailored to your needs.
- Our team has full MLS access across Topeka and nearby areas.
- Use our Property Search tool or sign up for daily alerts on new listings.
4. Make a Smart Offer
- Work closely with your REALTOR® to craft a competitive offer.
- Include your pre-approval letter, and ask questions if any part of the contract is unclear.
5. Conduct Inspections & Appraisal
- Schedule a home inspection to uncover issues you may not notice.
- Coordinate with your lender for a home appraisal.
- Ask your REALTOR® about negotiation strategies—e.g., repair credits or price adjustments.
6. Close with Confidence
- Finalize your mortgage and complete the remaining paperwork.
- Attend the closing appointment, sign the documents, and receive your keys.
7. Moving Checklist
- Transfer utilities and services to your new address.
- Set up forwarding for mail and update important accounts.
- Get ready to enjoy your new home!