The Home Buying Process

1 

Working with a Realtor

Buying a home is one of the biggest financial decisions most people make—and it’s not something to navigate alone. A dedicated buyer’s agent is essential for guiding the process, protecting your interests, and helping you make informed decisions every step of the way.
A Realtor is a licensed real estate professional who is also a member of the National Association of Realtors and held to a strict code of ethics. They assist with everything from finding homes and scheduling showings to writing offers, negotiating terms, and meeting deadlines.
To establish this professional partnership, buyers sign a Buyer Broker Agreement (BBA). This agreement outlines the working relationship and allows the agent to fully represent the buyer’s best interests. Partnering with a professional from the Harrison Home Team means having a knowledgeable advocate committed to making the homebuying experience smooth, strategic, and successful.

2

Pre-Approval

Before beginning the home search, it’s important to get pre-approved for a mortgage. Pre-approval gives buyers a clear understanding of what they can afford and shows sellers they’re financially prepared to make a serious offer.
Lenders offer different loan programs depending on a buyer’s needs. Conventional loans typically require higher credit scores and down payments, while FHA loans offer flexibility for first-time buyers. VA loans are available to eligible veterans with benefits like no down payment, and USDA loans are designed for qualifying rural areas.
The Harrison Home Team helps buyers connect with trusted local lenders who can walk through these options and provide reliable pre-approval letters. Starting with the right financial foundation sets the tone for a smooth, successful transaction.

3

Home Shopping

With pre-approval in place, the home search can begin. This stage is about more than browsing listings—it's about identifying the right location, layout, condition, and long-term value.
A skilled agent helps buyers refine their search, schedule showings, and evaluate each property with a knowledgeable eye. From comparing features to spotting potential concerns, having professional guidance can save time and prevent costly mistakes.
The Harrison Home Team uses local expertise, up-to-date tools, and strong communication to help buyers stay ahead of the market and focused on homes that truly fit their needs.

4

Offer to Purchase/Acceptance

Once the right home is found, the next step is submitting an Offer to Purchase. This written offer includes the proposed purchase price, financing details, preferred closing date, and any contingencies—such as inspections or appraisal.
A well-structured offer reflects both the buyer’s goals and current market conditions. Skilled negotiation can make the difference between getting a home or losing out to another buyer.
The Harrison Home Team helps buyers understand each part of the offer, communicate effectively with the seller’s side, and respond quickly to counteroffers or changes—making the path to an accepted offer as smooth and strategic as possible.

5

Under Contract/Inspections

Once an offer is accepted, the home is officially under contract. During this phase, several important steps take place—most notably the home inspection and appraisal. The inspection helps identify any issues with the home’s condition, while the appraisal confirms that the home’s value aligns with the loan amount.
Buyers may negotiate repairs or credits based on the inspection findings, and timelines must be carefully followed to keep the deal on track. The Harrison Home Team coordinates with inspectors, lenders, attorneys, and title companies to ensure each piece of the transaction moves forward smoothly and on time.

6

Closing Day

Closing day is when everything becomes official—the final documents are signed, funds are transferred, and the buyer receives the keys to their new home. A final walk-through usually takes place beforehand to confirm the property is in the expected condition.
This day marks the end of the transaction and the beginning of homeownership. The Harrison Home Team stays closely involved through the final steps, coordinating with the lender, attorney, and title company to ensure a seamless closing experience.