Is homebuying a goal? Don’t buy a home without reading this guide first.

BROCKTON — Buying a home can be one of the most exciting but stressful times in a person’s life, especially for a first-time homebuyer.

1. Become Educated, ask lots of questions

Before diving into the homebuying process, educate yourself by talking to a local experienced real estate agent, using online platforms and resources, and attending a first-time homebuyer’s class. This step will help you understand the basics of buying a home. You may also qualify for grants by just attending and getting the certificate and it’s valid for two years.

2. Get financially prepared

Review your financial situation with your CPA or a tax professional to establish savings for a down payment, closing costs, emergency funds and other expenses that may arise. Work on improving your credit score and reducing debt to increase your purchasing power.

3. Pick the right real estate agent

Research and choose a reputable real estate agent experienced in the area you want to buy in. They will assist you in finding suitable properties and help you navigate the buying process.

4. Get pre-qualified for a mortgage

Contact a loan officer or mortgage broker to get pre-approved for a mortgage. This will help you understand how much you can afford and strengthen your position when making an offer. Consider various loans and grants available to first-time homebuyers.

5. Once pre-qualified, let’s go home shopping!

Make a list of your desired home features and criteria and start searching for homes with the help of your real estate agent. Attend open houses and private showings to view potential properties.

6. Make an offer, once you fall in love with a home

Work with your agent to make an offer on a home you love. Research the area and ask the right questions to determine the appropriate offer price. Include any desired inclusions or additional requests in the offer.

7. Offer is accepted, now it’s inspection time

Schedule a professional home inspection to identify any issues with the property. Review the inspection report and decide whether to proceed with the purchase, negotiate repairs, or ask for a lower purchase price.

8. If you are satisfied with your find, you can move on to the purchase and sale contract

Sign the purchase and sale agreement, a legally binding contract that outlines the terms and conditions of the sale.

9. Now the bank or your lender will do their job to secure financing for you

Finalize your mortgage application and provide the necessary documentation to your lender. The lender will order an appraisal of the property and conduct a title search to ensure there are no legal claims against it.

10. You did it, closing and happy dance time

Prepare for the closing by working with your real estate agent, attorney, and lender. Attend the closing meeting to sign all required paperwork, bring remaining funds, and take ownership of the property.