Home Buying Checklist

Home Buying Checklist

Find out what you should do to have an edge in the competitive home buying market
from starting your home search to making an offer.


Talk to a mortgage lender and get preapproved.

A mortgage lender will be able to educate you on types of mortgage loans and get you pre-approved for a mortgage. Pre-approval for a mortgage is free, helps you determine how much you can afford, and gives you an edge when making an offer on a home. The lender will pull your credit report and may ask to see pay stubs, bank statements or past tax returns. For more information see Expenses to Save For When Buying A Home.

Don’t know any good mortgage lenders? Ask Carol for some recommendations.

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Determine your home and neighborhood wants and needs.

Figure out what you must have in a home: number of bedrooms, bathrooms, garage, basement, particular school district, etc. Research the neighborhoods in the area. Or check out any St. Louis area towns on this page

Find an experienced Realtor to help with your search.

While it is tempting to go straight to the big name websites to search for a home, you can really get an edge in this competitive market by working with a Realtor. Realtors often know of houses that are coming soon to the market or that are listed for sale but are not online. Working with a Realtor will give you an edge over other homebuyers. 

Click here to contact Carol about your home buying needs.

Search homes online or at open houses.

Search for St. Louis area real estate at local websites like CarolCammata.com. While everyone knows Zillow, not everyone knows that the data on national home search websites is often old. No one wants to fall in love with a home online, only to find it has already been sold. CarolCammarata.com gets more frequent data updates than the national sites. Plus you can sign up for email notifications to alert you as soon as a home that matches your criteria hits the market.

And don’t forget you can visit any open houses in your preferred neighborhoods. CarolCammarata.com also offers great open house search tools that let you search for St. Louis area open houses in the neighborhood, school district or price range of your choice.

Make an offer.

If you are pre-approved and are working with a Realtor, you are ready to make an offer the moment you find the right house.

There is another checklist for what to do after your offer is accepted here.

Berkshire Hathaway HomeServices Select Properties in St. Louis offers an easy through our partnership with USA Mortgage that allows you to interact directly with loan officers located in our branch offices.
USA Mortgate
Select Leasing & Management offers a multitude of leasing and property management services with superior service to both renters and landlords.
Gain valuable peace of mind and avoid unnecessary expenses by utilizing one of HSA Home Warranty’s comprehensive home warranty programs.
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