Everything You Need to Buy Your First Home
A plain-language guide to the home buying process — from checking your credit to picking up your keys. No jargon, no pressure.
The Home Buying Process, Step by Step
Six stages every first-time buyer goes through — explained simply so nothing catches you off guard.
Check Your Credit & Finances
Review your credit score, pay down debts, and get a clear picture of your monthly budget. Lenders typically look for a score of 620+, though higher scores unlock better rates.
Get Pre-Approved
A pre-approval letter shows sellers you're serious and tells you exactly how much you can borrow. It's not the same as pre-qualification — pre-approval is a real review of your finances.
Find the Right Home
Work with Darya to identify neighborhoods, school districts, and home features that match your priorities and budget. Pierce County has a wide range of options.
Make an Offer
When you find the right home, Darya will help you craft a competitive offer — including price, contingencies, and timeline. In a competitive market, strategy matters.
Inspection & Appraisal
A home inspection uncovers any issues before you commit. An appraisal confirms the home's value for your lender. Both are standard parts of the process.
Close & Get Your Keys
Closing day is when you sign the final paperwork, pay closing costs, and officially become a homeowner. Darya will walk you through every document so nothing is a surprise.
Buyer FAQs
The questions Darya hears most often — answered honestly.
How much do I need for a down payment?
It depends on your loan type. FHA loans require as little as 3.5% down. Conventional loans can go as low as 3–5%. VA and USDA loans may require zero down for eligible buyers. Darya can help you explore your options.
What are closing costs and how much should I expect?
Closing costs typically range from 2–5% of the loan amount and cover things like lender fees, title insurance, escrow, and prepaid taxes. Your lender will provide a Loan Estimate early in the process.
How long does the home buying process take?
From pre-approval to closing, most buyers take 30–60 days once they're under contract. Finding the right home can take anywhere from a few weeks to several months depending on the market.
Do I need a realtor if I'm buying a new construction home?
Yes — and it costs you nothing. The builder pays the buyer's agent commission. Having Darya represent you means you have an advocate reviewing contracts and protecting your interests.
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.
Can I buy a home if I'm self-employed?
Yes, though lenders will want 2 years of tax returns and may scrutinize your income more carefully. It's still very doable — Darya can connect you with lenders experienced with self-employed buyers.
Are Darya's buyer resources available in Russian?
Yes. Darya offers full consultations and classes in Russian. If you'd prefer to discuss the home buying process in Russian, just let her know when you reach out.
Helpful Links & Resources
Trusted external resources to support your home buying journey.
Loan Programs
Credit & Finance
Ready to Take the Next Step?
Attend a free buyer class or book a one-on-one with Darya — in English or Russian.