How Do I Start the Home-Buying Process?

Buying a home is one of the most exciting—and sometimes overwhelming—steps you can take. Whether you’re a first-time buyer or returning to the market, having a clear roadmap makes all the difference. Here’s how to start the home-buying process with clarity, confidence, and care—the C³ way.

1. Check Your Financial Readiness

Before browsing listings, take an honest look at your finances. Review your income, savings, and monthly expenses to determine what you can comfortably afford.

💡 Tip: Most experts recommend keeping your total housing costs below 30% of your monthly income.

2. Get Pre-Approved for a Mortgage

A pre-approval shows sellers you’re serious and helps you understand your true buying power. It’s more detailed than a pre-qualification—it verifies your income, credit, and assets through your lender.
Local Portland lenders often offer specialized programs for first-time buyers, physicians, or self-employed professionals—so it’s worth exploring your options.

3. Partner With a Trusted Real Estate Agent

The right agent isn’t just someone who opens doors; they’re your advocate, strategist, and guide. As a Portland-area agent, I help buyers navigate neighborhood nuances, price trends, and hidden gems that fit both budget and lifestyle. From Southeast Portland bungalows to Washington County new builds, I provide market insights that help you make confident decisions.

4. Start Touring Homes

Once you’re pre-approved and clear on your criteria, the fun begins. I’ll help you set up home tours, identify strong opportunities, and spot potential red flags.
📍 Pro tip: Keep a short list of must-haves vs. nice-to-haves to stay focused in a competitive market.

5. Make an Offer & Negotiate With Confidence

When you find the right home, we’ll craft a compelling offer that stands out—balancing strong terms with protective contingencies. My goal is to position you as a serious buyer while safeguarding your interests through each step.

6. Complete Inspections & Finalize Financing

Once under contract, inspections and appraisals help confirm the property’s condition and value. I coordinate with your lender, inspector, and escrow officer to ensure a smooth path to closing.

7. Close & Celebrate Your New Home

At closing, you’ll sign final documents, transfer funds, and receive the keys to your new chapter. It’s a milestone worth celebrating—and one that marks the beginning of your Portland story.

🌿 Ready to Begin?

Whether you’re dreaming of a condo on the Willamette, a craftsman in Laurelhurst, or a retreat near wine country, I’d love to guide you through every step.

Let’s start your home-buying journey today—reach out for a personalized consultation or a free buyer’s guide.