The Homebuying Timeline: From Pre-Approval to Closing in 10 Easy Steps

Buying a home is one of the most exciting—and let’s be honest, sometimes nerve-wracking—journeys you can take. But guess what? It doesn’t have to feel overwhelming. With a clear plan in hand, you’ll feel confident and in control from the first conversation to the moment you hold your new keys. Whether you’re a first-time homebuyer, a veteran using a VA loan, or someone relocating to the Augusta, GA area, this friendly, step-by-step roadmap will help you breeze through the process.

This roadmap makes the process manageable and gives you control every step of the way.

Here are the 10 easy steps every homebuyer should follow:

  1. Get pre-approved.
  2. Meet with a local agent.
  3. Start house hunting.
  4. Make an offer.
  5. Complete the home inspection.
  6. Negotiate any repairs.
  7. Secure your financing.
  8. Order the appraisal.
  9. Do a final walk-through.
  10. Close and get your keys!

1. Get Pre-Approved

Before you fall in love with a house, let’s talk numbers. Pre-approval is your first big move. It tells you (and sellers) how much home you can afford and shows that you’re a serious buyer.

What it involves:

  • Submitting your income, credit, and employment details to a lender.
  • Getting a letter stating how much you’re qualified to borrow.

Why it matters:

  • Strengthens your offer.
  • Helps you shop within your budget.

2. Meet with a Local Real Estate Agent

Your agent is your guide, your negotiator, and your personal housing GPS. Find someone who knows your market and, more importantly, understands your needs.

What to look for:

  • Local experience (especially in Augusta, GA and surrounding areas).
  • Someone who listens more than they talk.
  • Bonus if they have experience helping military families or veterans!

3. Start House Hunting

Here comes the fun part! Touring homes, picturing your furniture in new spaces, and imagining your future is thrilling.

Pro tips:

  • Make a list of must-haves vs. nice-to-haves.
  • Be open-minded—you may fall in love with something unexpected.
  • Use online tools but trust your agent’s insider scoop.

4. Make an Offer

Found the one? Time to make it official. Your agent will help you craft a competitive offer that reflects market trends and your budget.

Included in your offer:

  • Purchase price
  • Contingencies (inspection, financing, etc.)
  • Earnest money deposit

5. Complete the Home Inspection

A home might look perfect, but the inspection reveals what’s under the hood. This step protects you from costly surprises.

What inspectors check:

  • Roof, foundation, plumbing, HVAC, electrical systems

You can:

  • Attend the inspection
  • Ask questions and get a full report

6. Negotiate Any Repairs

If the inspection reveals issues, don’t panic. You and your agent can request repairs, credits, or a price adjustment.

Common fixes:

  • Leaky roofs
  • Plumbing or electrical issues
  • HVAC repairs

7. Secure Your Financing

Back to your lender! Now it’s time to finalize your mortgage application with updated documents.

You’ll need to provide:

  • Updated pay stubs
  • Bank statements
  • Explanation of any financial changes

8. Order the Appraisal

Your lender will order an appraisal to ensure the home is worth what you’re paying. This protects both you and the bank.

Appraiser looks at:

  • Comparable sales (“comps”)
  • Market trends
  • Condition of the home

9. Do a Final Walkthrough

This is your last look at the home before closing. Make sure everything is in the agreed-upon condition.

Check for:

  • Completed repairs
  • Functioning systems
  • No new damage since inspection

Bring your checklist!

10. Close and Get Your Keys!

It’s closing day—woo hoo! You’ll sign paperwork, pay your closing costs, and get the keys to your new home.

What to bring to closing:

  • Government-issued ID
  • Proof of insurance
  • Any final funds needed (in the form of a cashier’s check or wired)

Bonus Tips to Keep It Fun and Stress-Free

  • Stay organized: Keep a folder (digital or paper) with your documents.
  • Ask questions: No question is too small!
  • Celebrate milestones: Got pre-approved? Celebrate! Made an offer? Toast to it!
  • Lean on your support team: That’s your lender, agent, inspector, and possibly a trusted friend or family member.

A Timeline That Puts You in Control

This isn’t just a timeline—it’s your roadmap to one of life’s biggest wins. With each step, you’re getting closer to unlocking the door to your next chapter. Whether you’re planting roots in Augusta, GA, or relocating as part of military service, this process is yours to own.

And remember, you’re not doing it alone. With the right team and timeline, you can go from dreaming about a new home to decorating your front porch in no time.

Ready to get started? Let’s talk pre-approval and take that first exciting step together.

Pin it | Save it | Share it with a friend who’s house hunting!

Your neighbor and local expert,

Dr. Olivia Scott
Licensed REALTOR – Georgia & South Carolina
Veteran | Educator | Advocate for Military Homeownership
Augusta, GA & Surrounding Areas