1. SELECT A LICENSED, QUALIFIED, REAL ESTATE AGENT
   
2. PRE-QUALIFICATION BY A LENDING INSTITUTION
   
3. PROPERTY SELECTION:
   • Resale
   • New Construction
     
4. OFFER TO PURCHASE
   
5. PRESENT OFFER TO SELLER
   • Possible counter offer from Seller
   • Possible rejection from Seller
     
6. CONTRACT ACCEPTANCE BY SELLER
   • Earnest Money Deposit
   • Inspection of property
   • Possible contingency after inspection
     
7. MORTGAGE APPLICATION:
   • Credit Report
   • Appraisal of property by Lender
   • Verification of employment and financial background
     
8. UNDERWRITING:
   • Approval of mortgage application
   • Possible rejection of mortgage application
     
9. TITLE COMPANY:
   • Conducts Title Search on property
   • Reviews and prepares documents for close of escrow
10. WALK-THRU
    
11. CLOSE OF ESCROW
    • Signing of mortgage papers
    • Recording of documents
    • Keys - it's finally yours…CONGRATULATIONS!