First-Time Buyer Checklist: What to Do Before You Start Touring Homes

by Cardon Benjamin VanOrman

First-Time Buyer Checklist: What to Do Before You Start Touring Homes

Thinking about buying your first home in Northern Utah?
Before you start booking showings, it’s essential to get prepared — financially, mentally, and strategically.
This checklist will help you set yourself up for success from day one.

1. Check Your Credit & Budget

Your credit score affects your mortgage rate — and even which loan programs you qualify for.

Review your score and correct any errors early.
Use a home affordability calculator to estimate your price range.
Plan for additional costs: inspection, appraisal, and closing fees.

Starting with a realistic budget keeps your search focused and stress-free.

2. Get Pre-Approved (Not Just Pre-Qualified)

A pre-qualification is a quick estimate; a pre-approval is verified proof.
Pre-approval gives you:

Stronger negotiating power
Confidence when touring homes
A faster path to closing once you make an offer

In Northern Utah’s competitive market, pre-approval is your ticket to serious consideration from sellers.

3. Define Your “Must-Haves” and “Nice-to-Haves”

Make a simple list of your priorities. For example:
Must-haves: 3 bedrooms, fenced yard, attached garage
Nice-to-haves: finished basement, mountain view, large deck

This helps you and your REALTOR® quickly eliminate mismatched homes and stay focused on the best fits.

4. Partner with a Local Buyer’s Agent

A dedicated Northern Utah REALTOR® can:

Help you interpret market trends
Schedule private showings
Spot red flags during tours
Negotiate confidently on your behalf

Buyer representation is typically free for you — and provides professional protection at every stage.

5. Understand Your Timeline

From pre-approval to closing, the home-buying process can take 30–60 days.
If you’re renting, consider your lease end date and build in time for packing, moving, and any repairs or updates you want before move-in.

6. Don’t Skip the Inspection

Even newer homes can have hidden issues. Always schedule a professional inspection to protect your investment.
Your agent can recommend trusted inspectors in Northern Utah who know what to look for in our local climate and soil conditions.

Final Takeaway

Buying your first home doesn’t have to be overwhelming.
With preparation, clear expectations, and the right professional on your side, you’ll move through the process confidently — and end up with a home you love.