Buying a home is a big milestone, and with so many decisions ahead, it’s easy to feel overwhelmed. Whether you’re a first-time buyer or moving into your next chapter, going in with a game plan can make all the difference. Here’s how to approach the process with clarity and confidence.
Start with Clarity: Know What You Need vs. What You Want
Before diving into listings or visiting open houses, take a step back and define your priorities. What type of home suits your lifestyle — single-family, townhouse, condo? Make a list of must-haves (like the number of bedrooms or a garage) and nice-to-haves (a big backyard or updated kitchen). Be honest about what you’re willing to compromise on if needed. Keeping this list handy — even on your phone — will help keep your search focused and grounded.
Team Up with a Real Estate Pro
A qualified real estate agent is more than just a door-opener. They have tools and insights you won’t get from browsing online listings. From finding homes that match your criteria to helping you navigate negotiations, paperwork, and local market trends, their expertise can save you both time and stress. A good agent may also connect you with other reliable mortgage professionals such as home inspectors or title agents.
Track What You See
Touring several homes in a short span can make it tough to remember the details. Jot down notes, take photos, or record short videos of each property. Pay attention to how each home makes you feel and how it stacks up against your list. A quick reference can be a huge help later when you’re comparing options.
Stay Objective (Even When It’s Love at First Sight)
It’s easy to fall hard for a house — especially one that looks like your Pinterest board came to life. But emotions can cloud judgment. If a place really speaks to you, consider revisiting it with a trusted friend or family member who can offer a second opinion. And resist the urge to rush into an offer, even in a competitive market. This is likely one of the biggest financial decisions you’ll ever make — it’s worth taking the time to be sure.
Be Prepared Before Making an Offer
When you’re ready to make a move, a little prep work goes a long way:
Do your homework: Ask your agent for a Comparable Market Analysis (CMA) to see what similar homes have sold for recently.
Understand the seller’s motivation: If the seller needs a quick sale, that could influence your strategy.
Assess the home’s condition: Will you need to invest in repairs before moving in? Factor that into your offer.
Know your market: In a seller’s market, you might need to offer above asking to be competitive. In a buyer’s market, you may have more room to negotiate.
Stick to your budget: It’s tempting to stretch for your dream home, but make sure the mortgage fits your long-term financial plan.
Final Thoughts
Home shopping doesn’t have to be stressful — not if you approach it with the right mindset, trusted support, and a clear understanding of what you’re looking for. Do your research, stay grounded, and trust your instincts. The right home is out there — and with the right approach, you’ll find it.
About Julie Krumholz from Superior National Bank
Ready to start the homebuying process for 2025? Julie Krumholz from Superior National Bank can help.
With over 35 years of experience, Julie Krumholz has experienced nearly every facet of the mortgage industry, from processing, closing, loan origination, underwriting, QC auditing, and even co-owning a mortgage brokerage firm. Julie uses her wealth of experience to match homebuyers with the best mortgage program for their needs and helps streamline the mortgage process.
Call Julie Krumholz for help with your homebuying needs at 586-382-5482
