Home » Buying Buying I Save Your Down Payment Many people believe you need a 20% down payment to buy a home. There are loans available that allow buyers to put down as little as 3% or 0% with a VA or USDA Loan. II Know Your Credit Score Your credit score is a numeric representation of your history and ability to pay back debts in the past. Different home loans have different credit requirements. III Find A Realtor Once you have a handle on your credit score and down payment savings, contact us! Jesse Ayala will guide you through the process of buying! IV Get Pre-Approved We have a list of lenders to get you pre-approved for your mortgage. This will help keep you on budget during the next step! V Go Home Shopping! Make a list of what you want vs. what you need in your new home. We will use the list to find homes for you to tour. VI Make an Offer and Negotiate We will help you determine the best price to offer for the home. In a competitive market, you may not be the only one bidding, so you will want to stand out. VII Get a Home Inspection Once your offer is accepted, a home inspection is imperative to ensure there aren’t hidden issues with the home. VIII Get a Home Appraisal Your lender will arrange for a home appraisal to ensure that the property is worth the price that you have agreed to pay for it. The bank will only issue a loan for the appraised value. IX Close the Sale Once your loan is approved, your lender will schedule a closing date. This is the day you sign all your paperwork to complete the purchase and get the keys to your new home! X Move In Congratulations, you are a homeowner.