Buying your first home is exciting—but it can also feel overwhelming if you’re not sure what to expect. There are a lot of steps, but once you understand the process, it becomes much easier to manage.

Here’s a simple, step-by-step guide to walk you through the journey from thinking about buying to getting the keys in your hand.

Step 1: Get Pre-Approved

Before you start browsing listings, it’s important to know what you can afford. Getting pre-approved for a mortgage helps you understand your price range and shows sellers that you’re serious. A lender will review your income, debts, credit score, and savings to give you a realistic budget and often lock in a rate for up to 120 days.

Step 2: Figure Out Your Budget

Your mortgage pre-approval gives you a ceiling but you’ll also want to decide what feels comfortable for your monthly payment. Don’t forget to factor in property taxes, utilities, insurance, and maintenance. Also set aside savings for closing costs and moving expenses.

Step 3: Find the Right Real Estate Agent

A good real estate agent can make a huge difference. They know the local market, help you spot red flags, and guide you through negotiations. They’ll also handle a lot of the paperwork and keep things moving forward. Choose someone you trust and feel comfortable with.

Step 4: Start House Hunting

Now the fun begins. You’ll look at homes that fit your needs, budget, and lifestyle. Think about things like location, commute, layout, and future growth. Your agent will help book showings, compare properties, and keep an eye on new listings.

Step 5: Make an Offer

Once you find a home you love, it’s time to make an offer. Your agent will help you decide on a price, deposit amount, conditions, and preferred closing date. The seller can accept it, reject it, or send back a counteroffer. You may go back and forth a little before coming to an agreement.

Step 6: Fulfill Your Conditions

If your offer includes conditions like a home inspection or final mortgage approval, now is the time to get those done. This is your chance to make sure everything checks out before the deal becomes firm. Once all conditions are met and waived, the deal is locked in.

Step 7: Prepare for Closing

As closing day approaches, you’ll need to finalize your mortgage, review the statement of adjustments, and have your closing costs ready. This includes lawyer’s fees, land transfer tax, and any adjustments or disbursements. You’ll also sign the final paperwork.

Step 8: Move In

On closing day, the lawyer will transfer the money to the seller and register the property in your name. Once that’s done, you’ll get the keys and the home is officially yours. Time to move in, unpack, and celebrate this huge milestone.

Buying a home doesn’t have to be confusing. When you break it down into clear steps and work with the right professionals, it becomes a process you can manage with confidence.