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Financing

Typically, the phase that takes the longest during a property purchase is the financing. From choosing a mortgage program to gathering the required documents, this process can take several weeks, so it is a smart place to start. Keep in mind that it will not matter which home you eventually choose — the mortgage process is adjustable — but it will change based on your (the buyer's) needs.

To save time later, you might consider getting pre-approved for a mortgage. Sellers will likely favor an offer associated with a pre-approval letter because it shows the buyer is serious and capable and it could be the deciding factor for them when choosing between two similar offers. Staying prepared during this process will help you realistically understand what your limits are as a buyer, allowing you to only consider homes within your price range.