Buyers – PAM ADAME SELLS HOMES

Buyer's Guide

a step -by- step

First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by our team will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

step 1

Financing

Before you start touring homes, it’s important to understand your budget. Have you spoken with a lender? Do you know how much you’re pre-approved for? What type of loan best fits your financial situation? If you haven’t answered these questions yet, now is the time to explore your financing options. Getting pre-approved not only helps you understand your price range, but also shows sellers you’re a serious buyer. Taking this step early will save you time, strengthen your offers, and give you confidence as you move forward in the home-buying process.

step 2

Get Pre-Approved Early

Before you start touring homes, it’s a smart move to get pre-approved for a mortgage. Pre-approval gives you a realistic idea of what you can afford and shows sellers that you’re a serious buyer. Keep in mind, though, that being pre-approved isn’t just about the number on paper—it’s about understanding the terms of the loan and how they fit into your lifestyle.

Think about factors like your monthly cash flow, other financial goals, and the potential for unexpected costs once you’re a homeowner. Pre-approval can help you shop with confidence, but your personal comfort level with the payment is what truly matters.

step 3

Get Prequalified Before You Shop

Buying a home is exciting—but before you start searching, it’s important to know exactly what you can afford. Many buyers are surprised to learn that the monthly payment they feel comfortable with doesn’t always match what a lender is willing to approve.

Lenders consider many factors, including your employment history, credit score, debt, and even past financial challenges like bankruptcies. Without prequalification, you could risk falling in love with a home that’s out of reach—or missing out on one that fits your budget.

step 4

Why Work With a Real Estate Agent?

Yes, you can search for homes, schedule showings, and even make an offer on your own. But why take on all that stress when working with an experienced real estate professional costs you nothing as a buyer?

As your agent, I do more than open doors — I help you uncover the right properties, arrange private tours, and guide you through the offer and negotiation process with confidence. With years of experience and a deep understanding of the local market, I can spot opportunities and potential issues that aren’t always obvious to buyers.

Finding your dream home can feel overwhelming, but it doesn’t have to be. Let me simplify the process, advocate for your best interests, and help you make informed decisions every step of the way. Together, we’ll find the home that’s right for you.

contact whit pam

Passion & Expertise

Pam's goal is to provide you with the most personalized service possible, meticulously designed to help you navigate the process of buying your dream home. She is dedicated to understanding your unique needs and preferences, ensuring that every step of the journey is tailored to achieve your ultimate home-buying aspirations.

step 5

Find the Right Home

This is one of the most exciting parts of the journey—discovering the place that feels just right for you. I’ll help you schedule and tour homes that fit your needs, preferences, and budget, making the process as stress-free as possible.

As you explore each property, take notes on what stands out, both positive and negative. Don’t be shy about testing things—flip light switches, open and close doors, and check the faucets. These little details matter when it comes to finding a comfortable, functional home.

Remember, it’s not just about the house itself. Spend some time walking the neighborhood, noticing traffic patterns, checking parking, and seeing how close you’ll be to schools, parks, shops, and grocery stores. A home should fit your lifestyle inside and out, and I’ll be here to guide you every step of the way.

step 6

Get Pre-Approved

Before starting your home search, it’s important to get pre-approved for a mortgage. This gives you a clear idea of your budget and shows sellers that you’re a serious buyer. Lenders will review your income, credit, and financial history to determine the loan amount you qualify for. With a pre-approval in hand, you’ll have an advantage in competitive markets and be ready to move quickly when you find the right home.

step 7

Have the Home Inspected

Once your offer is accepted, the next step is a home inspection. This important step ensures the property doesn’t have any hidden issues, such as structural damage or major repairs that could impact your investment.

We’ll help you coordinate the inspection so it happens quickly—usually within just a few days of your offer. If the inspection shows the home is in great shape, you’ll move forward to the next step with confidence. If issues do come up, you’ll have the option to renegotiate the price, request repairs, or, if necessary, withdraw your offer.

step 8

Choose Your Real Estate Path

Now is the perfect time to take the next step in your real estate journey. Whether you’re buying your first home or selling a property, you’ll have options tailored to your unique needs. Explore different strategies, such as listing your home at the right price, negotiating offers, or finding the ideal neighborhood that fits your lifestyle. Work closely with a trusted real estate professional to select the path that makes you feel confident and informed every step of the way.

step 9

Home Appraisal Guidance

Your lender will have your home appraised to determine its fair market value. This step ensures that everyone involved in the transaction is paying—or receiving—a fair price for the property. Pam can guide you through the process and help you understand the results.

step 10

Close the Deal

From signing the final documents to getting your keys, I’ll be there every step of the way, making sure the closing process is smooth and stress-free.

success is yours !

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams.

start your journey

Work With pam

Pam Adame is a full-service real estate professional dedicated to exceeding expectations, protecting her clients’ best interests, and building relationships that last. From thoughtful preparation and pricing to standout marketing and skilled negotiation, she does what it takes to list confidently and achieve exceptional results on both sides of the deal.