The Homebuyer's Timeline

The ideal steps to buying your first home.

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  • assess
    Assess Your Homeowner Readiness
  • budget
    Budget and Save
  • 720
    Review, Build & Repair Your Credit
  • approve
    Receive Pre-Approval from Lender (valid for 90 days)
  • conduct
    Conduct Your Home Search
  • Offer
    Make an Offer
  • offer-accepted
    Offer Accepted (within 48 hours of offer)
  • home-incpection
    Complete Home Inspection (within 7 days after offer accepted)
  • shop
    Shop for Mortgage
  • sign
    Sign Purchase & Sale Agreement (10-14 days from accepted offer)
  • singup
    Submit Full Mortgage Application
  • shop-for-home
    Shop for Home Insurance
  • obtian
    Obtain Mortgage Commitment Letter
  • final-work
    Final Walk Through (the day before closing)
  • closing
    Closing (6 weeks from accepted offer)
  • homeowner
    Successful Homeownership
Boston Residents: use promotional code BOSTON when purchasing event tickets! The Homebuying Mentors is an independent, not-for-profit resource for Massachusetts residents to plan responsibly for their future through homeownership.


The Homebuying Mentors® is recognized nationally and statewide. We are certified through The Department of Housing and Urban Development (HUD), the NeighborWorks Center for Homeownership Education and Counseling (NCHEC) and we have received the Seal of Approval from the Massachusetts Homeownership Collaborative. We adhere to Massachusetts Homeownership Collaborative Code of Ethics, The NCHEC Code of Ethics and Conduct and to the National Industry Standards for Homeownership Education and Counseling.

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