The Buying Process

You know your budget and your credit is ready. Now comes the actual buying — picking the right mortgage, finding the right home, and making an offer that wins without overpaying.

3 Lessons

~16 min total

Why This Module Matters

Most buyers don't get pre-approved before house hunting — putting them at a disadvantage in competitive markets where sellers prefer ready buyers.

Choosing the wrong mortgage type can cost tens of thousands over the life of the loan.

Skipping key contingencies in an offer to "win" can expose you to massive financial risk if inspections reveal problems.

Module Lessons

Lesson 1 · 6 min read

Mortgage Types Explained

Fixed vs. adjustable, conventional vs. government-backed — every loan type decoded so you can pick the right one for your situation.

Fixed vs. ARMConventional vs. FHA/VA15 vs. 30 yearPoints & fees

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Lesson 2 · 5 min read

House Hunting — Do It Right

How to find a good agent, what to look for on tours, red flags to catch, and how to stay disciplined when emotions run high.

Finding an agentMust-haves vs. nice-to-havesRed flags on toursPre-approval first

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Lesson 3 · 5 min read

Making an Offer & Negotiating

How to price your offer, what contingencies to include, how earnest money works, and what happens after offer accepted.

Offer price strategyContingenciesEarnest moneyUnder contract to close

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After This Module, You'll Be Able To

Choose between fixed and adjustable rate mortgages confidently

Understand when FHA, VA, or conventional loans make more sense

Find and vet a buyer's agent who actually works for you

Know exactly what to look for — and look out for — on home tours

Price an offer competitively without overpaying

Understand what contingencies protect you and when to use them

Previous ModuleModule 1: Before You Buy Start HereLesson 1: Mortgage Types