Buying a house can be an exciting and emotional process. Before starting your home search, you’ll want to understand the ins and outs of homebuying. This will empower you to make decisions that are the best for your family — and your wallet.

Here’s a step-by-step guide on buying a house:

  1. Understand why you want to buy a house
  2. Check your credit score
  3. Create a housing budget
  4. Save for a down payment
  5. Shop for a mortgage
  6. Hire a real estate agent
  7. See multiple homes
  8. Make an offer
  9. Get a home inspection
  10. Negotiate repairs and credits
  11. Secure your financing
  12. Do a final walk-through
  13. Close on your house