Step 1: Get a real pre-approval
A real pre-approval means a loan officer has reviewed your credit, income, and assets, not just typed numbers into a calculator. In Cincinnati's competitive neighborhoods, listing agents weigh pre-approval quality heavily.
Step 2: Define your monthly comfort zone
Your maximum approved payment isn't the same as your comfortable payment. Decide what fits your real budget after taxes, utilities, retirement contributions, and a savings buffer.
Step 3: Tour with a strong agent
Cincinnati neighborhoods vary block-by-block. A great agent helps you read schools, taxes, flood zones, and resale exposure. John can refer agents he trusts in your target area.
Step 4: Write a clean, competitive offer
In a competitive listing, terms often matter more than a few thousand in price. We'll structure your offer with the right escalation, contingency, and closing timeline.
Step 5: Inspections, appraisal, underwriting
Once under contract, you'll move through inspections, appraisal, and final underwriting. John keeps you informed at each milestone so closing day is boring, in a good way.
Step 6: Closing day
You'll sign documents, fund your down payment, and receive keys. We typically close in 21-30 days for purchases.