When you make the decision to buy a home, you plan out a budget and contact a Realtor to guide you through the entire process. You will need to research and compare available Lenders to finance your home beyond your down payment. a Realtor can suggest prospective lenders if you need assistance in choosing one. A lender conditionally qualifies you for a loan in the amount you determine you to be able to afford, so that sellers will consider you a serious and capable buyer. Once you’re pre-qualified, your Realtor will begin showing you possible homes to buy. When you decide on a particular home, your Realtor makes an offer on your behalf to the home sellers agent. Often this will result in a counter offer and your Realtor will assist you in the negotiation to get you the best possible deal. Next, your Realtor will help you arrange for an inspection and negotiate repairs or other consideration on your behalf. You and your Realtor will work with your lender to make sure they have what they need and stay on track.  Your Realtor and lender will work with a title company to draft all necessary paperwork. The title company will then schedule a date for your closing, where the transaction is completed, and ownership is officially transferred from seller to you.