Find a Home

Searching for a new home can be overwhelming, but having the right people on your team and good resources at your fingertips can make the process easier. Here are tips to help you get started.

Tips for finding a realtor

Find a Realtor

Once you've completed counseling - find a Realtor!

  • Work with someone whose full time job is real estate.
  • Work with someone who is familiar with your target area.
  • Interview prospective Realtors.
  • Get references.
  • Find out about their recent sales activity.
  • Find out what services they offer.
  • Clarify fees and payment structure. Negotiate for better deals.
  • Find out who to contact should you have complaints.
  • Work with a specialist if interested in foreclosures or short sale properties.
  • Ask what tools or apps they use to work with clients.
  • Download a printable questionnaire

Tips for finding a lender

Find a Lender

Attend Homebuyer Education first!

Ask at your bank.

  • Compare at least 3 lenders.
  • Check references.
  • Compare fees.
  • Be truthful about your abilities, financial history, and needs.
  • Read everything carefully, ask for help if needed.
  • Get a pre-approval document.
  • Download these sample interview questions to find the right lender.

Tips for finding a home

Find a Home

Set your budget and get pre-approved by a lender first!

  • Visit and get acquainted with the area you’re interested in.
  • Utilize sites like Live Baltimore to research neighborhoods.
  • Check real estate websites like Homesnap, Redfin, and Realtor
  • Check listings in the local newspapers or postings.
  • Work with a real estate professional.
  • Be patient!

Steps in the offer process

Make an Offer

Set your budget and get pre-approved by a lender first!

  • Have pre-approval from lender ready.
  • Discuss strategy with your Realtor – He/she will complete a purchase and sales agreement and submit the offer on your behalf
  • Your agent presents your offer to the seller, with an Earnest Money deposit (usually about 1% of offer price in cash).
  • The seller decides to accept, reject, or negotiate your offer.
  • “Mutual Acceptance” happens when you arrive at an agreement for sale.
  • Get home inspection(s) – Work with your realtor and home education counselor to determine which types of home inspections are necessary.
  • Pick a title company – your realtor can also recommend one and they will do a title search on property to make sure there are no judgements or liens on the house.
  • Have the property appraised – your lender will order an appraisal on your behalf
  • Secure a closing date with your realtor and lender.
  • Ask your lender to complete your Homebuyer Education Certificate request form and send it back to NHS for your incentives