: Hire a real estate agent to represent your interests, find listings, and handle negotiations.

: Visit a lender to get a pre-approval letter, which shows sellers you are a serious buyer and confirms your budget.

But First, Paperwork: 18 Key Documents You’ll Need to Buy a House

To move forward, you will need to gather these specific "papers" for your lender:

: Plan for a down payment (typically 3%–20%) and closing costs (usually 2%–5% of the home price).

: Your agent will help you submit a formal offer with contingencies like a home inspection or financing.