Blog > Buyer Tips & Checklists
Your Homebuyer Checklist: Every Step, Simplified.
Buying a home is a big step—and one of the most rewarding. Whether you're relocating, upsizing, or purchasing for the first time, the right guidance makes all the difference. At Golden Horizon Real Estate, we’re here to bring clarity, confidence, and calm to your journey—so you can focus on what matters: finding your dream horizon.
Below is a simplified version of our Homebuyer Checklist, with insider tips to help you feel prepared at every stage.
1. Prepare Your Finances
Before the house hunt begins, get your financial foundation in place.
✅ Check your credit score
Make sure your report is accurate, and take steps to improve your score if needed—it can impact your rate more than you think.
✅ Know your monthly comfort zone
Look at your income and expenses to determine what you feel comfortable spending, not just what you’re approved for.
✅ Gather your paperwork
Start a folder with tax returns, pay stubs, bank statements, and employment history—your lender will ask for it all.
✅ Choose a lender you trust
Local lenders often offer more personalized service and faster turnaround times. Compare rates and ask questions.
✅ Get pre-approved
A pre-approval isn’t just helpful—it’s essential. It makes your offer stronger and your search more focused.
🔑 Pro tip: A strong pre-approval gives you a competitive edge when the right home comes along.
2. Start Your Search
Once you're pre-approved, it’s time to explore what’s possible.
✅ Research local neighborhoods
Look into schools, commute times, community feel, and long-term growth potential. I’m always happy to offer local insight.
✅ Sign with your buyer’s agent
A buyer’s agreement ensures you have full support, expert negotiation, and priority access to listings tailored to your needs.
✅ Visit homes in person
Photos rarely tell the full story. Walk the layout, feel the space, and bring your checklist.
✅ Make an offer with confidence
I’ll help you structure a competitive offer—price, terms, timing, and everything in between.
🔑 Pro tip: The best offer isn’t always the highest—it’s the smartest. Let’s make yours stand out.
3. You’re Under Contract—Now What?
With your offer accepted, we shift into strategy and execution.
✅ Submit your earnest money
This deposit shows your commitment and is applied at closing.
✅ Schedule your home inspection
This is your chance to learn about the home’s condition and request repairs if needed.
✅ Loop in your lender
Keep things moving by submitting all remaining documents promptly. I’ll coordinate with them every step of the way.
✅ Order title and home insurance
These protect your ownership and investment. I’ll guide you through choosing reliable providers.
✅ Appraisal & approvals
The lender will order an appraisal, and we’ll work through any findings together.
✅ Set up utilities & final walkthrough
We’ll confirm the home is ready and as expected—clean, safe, and repair items completed.
✅ Close and celebrate!
You’ll sign, fund, and receive your keys. I’ll be right beside you—champagne ready.
You Don’t Have to Navigate Alone
A smooth buying experience comes down to preparation, communication, and the right guide by your side. I’m here for all three.
When you're ready, I’ll walk you through your custom strategy, from pre-approval to closing—and beyond.
✨ Ready to begin?
✨ Want the downloadable version of these checklists below?
Let’s find your dream HORIZON—starting with home!
Embrace Your Horizon. Live Your Dream.
