First-Time Buyer to Homeowner: A 90-Day Roadmap

Becoming a homeowner is one of life’s biggest milestones — but for first-time buyers, it can feel overwhelming. Between financing, inspections, and negotiations, the process can seem like a maze.

The good news? With the right plan and team, you can go from browsing listings to holding your new keys in as little as 90 days.

Here’s a simple, step-by-step roadmap to help you navigate the journey with confidence.

Days 1–30: Preparation and Pre-Approval

Your first month sets the tone for your success.

1️⃣ Get pre-approved.
Meet with a trusted lender to review your finances, credit, and budget. A pre-approval letter not only clarifies what you can afford but also strengthens your position when you make an offer.

2️⃣ Define your must-haves.
List what matters most — location, layout, commute, schools, amenities. Knowing your priorities helps your agent narrow the search efficiently.

3️⃣ Start touring homes.
With your pre-approval in hand, begin visiting properties. Take notes on what you like (and what you don’t). Seeing homes in person helps refine your vision and expectations.

Days 31–60: Making an Offer and Going Under Contract

Once you’ve found the one, it’s time to make your move.

1️⃣ Craft a strong offer.
Your agent will analyze recent sales, local trends, and seller motivation to build a competitive offer. This may include price, contingencies, earnest money, and closing timeline.

2️⃣ Negotiate and get accepted.
Be ready for possible counteroffers or multiple-offer situations. Your pre-approval and clear communication can give you an edge.

3️⃣ Schedule inspections and appraisal.
Once under contract, your lender will order an appraisal, and you’ll hire an inspector to assess the property. Use this phase to confirm the home’s condition and value before proceeding.

Days 61–90: Finalizing the Deal and Moving In

You’re in the home stretch!

1️⃣ Secure financing.
Your lender finalizes the loan, verifies documentation, and prepares closing disclosures. Avoid big purchases or new credit accounts during this time — stability matters.

2️⃣ Conduct a final walkthrough.
Make sure all agreed-upon repairs are complete and the home is in expected condition before closing.

3️⃣ Closing day!
You’ll sign the paperwork, receive your keys, and officially become a homeowner. Time to celebrate your new beginning!

Bottom Line:

Buying your first home doesn’t have to be stressful — it just takes the right guidance, preparation, and communication. By following a clear roadmap and partnering with a trusted real estate professional, you can confidently move from first-time buyer to homeowner in 90 days or less.

Because the dream of homeownership isn’t just possible — it’s closer than you think.