Buying a Home
The Steps to Buying a Home
From pre-qualification to picking up your keys — what actually happens, in order.
Updated for 2026
Buying a home follows a fairly predictable sequence. Here's what to expect, step by step.
- 1. Get pre-qualified — find out what you can afford before you start looking.
- 2. Search for a home — with your real estate agent, within your approved range.
- 3. Make an offer — usually including a financing condition and a deposit.
- 4. Get your mortgage approved — for both you and the property, which may include an appraisal.
- 5. Waive your conditions — once financing and inspection conditions are satisfied.
- 6. Sign your mortgage documents — timing depends on your financing condition.
- 7. Arrange home insurance — your lender requires proof before closing.
- 8. Meet your lawyer — a few days before closing, to review and pay closing costs.
- 9. Get your keys — on closing day.