Buyer's Guide
Get Pre-Approved
Start by getting pre-approved for a mortgage. This gives you a clear budget, shows sellers you're a serious buyer, and strengthens your offer in competitive markets.
- Compare rates from at least 3 lenders
- Get pre-approved, not just pre-qualified
- Lock your rate when you find a good one
Define Your Criteria
Work with your Rose District agent to define your must-haves: location, size, features, school districts, and budget. We'll help you prioritize what matters most.
- Separate must-haves from nice-to-haves
- Consider commute times and school ratings
- Think about 5-year lifestyle plans
Tour Properties
We'll schedule showings for properties that match your criteria, including off-market and new construction opportunities. Our AI-powered search helps surface hidden gems.
- Take notes and photos at each showing
- Visit at different times of day
- Check the neighborhood, not just the house
Make an Offer
When you find the right home, we'll help you craft a competitive offer backed by real-time market data, comparable sales analysis, and proven negotiation strategies.
- Include a personal letter to the seller
- Be flexible on closing dates if possible
- Your agent will advise on escalation clauses
Inspections & Due Diligence
We guide you through inspections, appraisals, and all contingencies to protect your investment. This is your safety net — we make sure nothing is overlooked.
- Always get a general home inspection
- Consider pest, roof, and sewer inspections
- Review HOA docs carefully if applicable
Close & Move In
We coordinate with all parties — lender, escrow, title, and agents — to ensure a smooth closing. Then we hand you the keys. Welcome home.
- Do a final walkthrough before closing
- Set up utilities before move-in day
- Keep closing documents in a safe place
Frequently asked questions
How much do I need for a down payment?
Down payment requirements vary by loan type. Conventional loans typically require 5-20%, FHA loans as low as 3.5%, and VA loans may require 0% down. Contact Rose District to discuss your options.
How long does the home buying process take?
The typical home buying process takes 30-60 days from offer acceptance to closing. Getting pre-approved before you start searching can speed up the process significantly.
What are closing costs?
Closing costs typically range from 2-5% of the purchase price and include lender fees, title insurance, escrow fees, and prepaid items like property taxes and homeowner's insurance.
Should I get a home inspection?
Yes, a home inspection is highly recommended. It can reveal potential issues with the property that may affect your decision or negotiation. Rose District always recommends thorough inspections.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on self-reported financial information. Pre-approval involves a thorough review of your finances by a lender and carries more weight with sellers.
What is Zillow Showcase?
Zillow Showcase is a premium listing experience with interactive floor plans, room-by-room photo tours, and enhanced placement. Rose District is a Zillow Preferred Partner with access to Showcase listings.
Can I buy a home with student loan debt?
Yes. Lenders look at your debt-to-income ratio, not just whether you have debt. Many buyers with student loans qualify for mortgages. Getting pre-approved will give you a clear picture of your purchasing power.
What is earnest money?
Earnest money is a deposit (typically 1-3% of the purchase price) that shows the seller you're serious. It's held in escrow and applied toward your down payment or closing costs at closing.