The First-Time Buyer’s Timeline: From Pre-Approval to Closing

Buying your first home is exciting — but it can also feel overwhelming if you’re not sure what to expect. The process is full of moving parts, and each step builds on the one before it. To help you prepare, here’s a clear timeline of what happens from the moment you get pre-approved until the day you finally get the keys.

1. Get Pre-Approved (1–3 Days)

Before you start shopping, meet with a lender to get pre-approved for a mortgage. This gives you a clear idea of your budget and shows sellers you’re serious. Pre-approval usually involves a credit check, proof of income, and reviewing debts and assets.

2. Start House Hunting (2–8 Weeks)

With your budget set, it’s time to look for homes. This is often the most exciting (and sometimes longest) part of the process. Your agent will help you schedule showings, compare neighborhoods, and narrow down your options.

3. Make an Offer (1–3 Days)

Once you’ve found “the one,” your agent will help you write an offer. This includes the price, contingencies (like inspections or financing), and your desired closing date. Depending on the market, you may need to negotiate with the seller before reaching an agreement.

4. Go Under Contract (30–45 Days)

When the seller accepts your offer, the home goes “under contract.” This period includes:

• Home inspection to check the property’s condition.

• Appraisal to confirm the home’s value.

• Final loan approval by your lender.

• Title search to ensure there are no legal issues.

This is the busiest stage, but your agent and lender will guide you through it step by step.

5. Closing Day (1 Day)

On closing day, you’ll sign all the final documents, pay any closing costs, and officially become the homeowner. Once the paperwork is done, you get the keys to your new home — and the celebration begins! 🎉

Final Thoughts

The first-time homebuying journey may feel long, but knowing the timeline helps you stay confident and prepared. Each step brings you closer to your goal, and with the right guidance, the process can be smoother (and even more enjoyable) than you expect.