All ArticlesBuying Real Estate in SpokaneSpokane Real Estate Tips August 24, 2023

First Time Home-Buyers: How to Buy a Home in Spokane

Nick Briggs, Realtor

Don’t know how to buy a home in Spokane? Feeling overwhelmed? You’re not alone. Many first-time homebuyers feel the same way. Fortunately, I’ve got you covered. Here’s a simple, step-by-step guide to help you navigate the process.

1. Determine Your Budget

First and foremost, know how much you can afford. Use online calculators to get an estimate. Remember, it’s not just the house price. Consider closing costs, insurance, and taxes.

2. Save for a Down Payment

Next, start saving. Typically, you’ll need 10-20% of the home’s price. Here are some tips to boost your savings.

3. Check Your Credit Score

Before you apply for a mortgage, check your credit score. A higher score can get you a better interest rate.

4. Get Pre-approved for a Mortgage

Now, approach a lender. Compare different mortgage offers and get pre-approved. This shows sellers you’re serious.

5. Find a Real Estate Agent

A good agent can make a difference. Search for local agents and read reviews.

6. Start House Hunting

Then, the fun part. Make a list of what you want. Location, size, amenities. Browse listings online to see what’s available.

7. Make an Offer

Found your dream home? Great! Now, make an offer. Your agent can guide you on the price and drafting the offer.

8. Home Inspection

Once your offer is accepted, hire a home inspector. They’ll check for any issues.

9. Close the Deal

Lastly, sign the papers. Congratulations! You’re now a homeowner.


Buying your first home can be daunting. But with the right guidance, it’s manageable. Follow these steps, and you’ll be on your way to owning your dream home. I purposely made this article as simple as possible to showcase how easy the process can be with the right Realtor. Your Realtor should handle everything for you so the only thing you’re worried about is moving. Now that you know how to buy a home in Spokane, you are ready to find your Realtor.

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