• Get pre-approved before home search to strengthen offers
• Define must-haves vs nice-to-haves (location, size, budget, timeline)
• Understand financing options (FHA, VA, conventional, down payment assistance)
• Tour homes systematically and take detailed notes
• Review comparable sales and market data before offers
• Negotiate inspection repairs and appraisal gaps
• Plan for closing costs (2-5% of purchase price typically)
• Understand contingency timelines and removal dates
• Prepare for rate lock timing and mortgage commitment
• Review title report and HOA documents carefully