Your First Home Awaits: 5 Easy Steps to Buying a Home in Hampton Roads

Forego the endless search on YouTube or Google that only gives vague advice and conflicting information. Instead, check out these 5 Easy Steps to Buy a Home in Hampton Roads, VA—designed for first-time homebuyers just like you!

Step 1: Choose the Right Real Estate Agent

Start by asking your friends or family for referrals to their favorite Realtor® in Hampton Roads. A good agent is friendly—not pushy—with a flexible schedule. They should point out both the pros and cons of properties, not just the selling points. Bonus points if they know the local market well and can connect you with trusted lenders, home inspectors, and contractors. If you're relocating, look for a real estate agent with a strong online presence and a marketing style that resonates with you.

Step 2: Get Pre-Approved by a Lender

Once you’ve found an agent, your next step is to get pre-approved by a lender or bank to see how much you qualify for in terms of financing. There are different types of loans and down payment assistance programs that a lender can explain in more detail once they have determined what you qualify for. Your agent can refer you to lenders they have a good rapport with. If you have a good banking history with a credit union, they will typically be able to offer you great rates on home loans.

Step 3: Begin the Home Search

After you know your target price range, the home search begins. Together, you and your agent will look up homes for sale online that fit your unique parameters. Be clear with your agent about what you’re looking for. You will want to consider the area, as well as the home, regarding schools, shopping and your daily commute. Once you’ve chosen several appealing properties, your agent will schedule a convenient time to show them. If you find a house you like which suits your budget, that brings us to...

Step 4: Submit Your Offer & Prepare for Closing

Your agent will help you write and submit an offer to the seller's agent. If the offer is accepted, you’ll set a closing date (typically 30–45 days out). During this time, your lender will order an appraisal, and your agent will help schedule the home inspection, title review, and termite or radon checks. You’ll receive a Loan Estimate Form breaking down your home loan fees, closing costs, and financing terms. The title company will handle all your final paperwork.

Step 5: Close & Celebrate!

The final step? Sign on the dotted line and pick up your keys. 🎉
Congratulations—you’re officially a homeowner! Now it’s time to schedule your move, start planning your housewarming, and of course... pop the bubbly.🥂 

Buying your first home can feel overwhelming, especially when you don’t know where to start. If you're ready to talk with a trusted Hampton Roads Realtor®, we’d love to answer your questions or walk with you through the process. Let’s make home happen—contact us today!

Written by:  Janette Klie