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Buying a home without an agent is totally possible—you’ll just take on more of the research, paperwork, and negotiating. Use this checklist to stay organized from pre-approval to closing.
- Get Pre-Approved for a Mortgage
Know your budget and show sellers you’re serious. A pre-approval narrows your search and strengthens offers.
Try the Monthly Affordability Calculator to estimate a comfortable monthly payment before you shop. - Research the Market
Review recent sales (“comps”), average days on market, and price trends in your target area to spot fair pricing. - Find Homes for Sale
Search major portals and “For Sale by Owner” (FSBO) listings. Check community groups and local classifieds for off-market gems. - Schedule Showings
Contact sellers or their listing agents directly. Ask about age of roof/major systems, renovations, permits, and known issues. - Hire a Real Estate Attorney
An attorney can draft/review contracts, explain terms, and protect your interests—especially critical without a buyer’s agent. - Order a Home Inspection
Use a certified inspector to uncover hidden defects (roof, foundation, electrical, plumbing, HVAC). Read the full report. - Negotiate the Price & Terms
Base your offer on comps and inspection findings. Consider credits, repairs, or price reductions to offset issues. - Secure Financing
After acceptance, lock your rate and complete underwriting. Expect appraisal, income verification, and document requests. - Review the Contract Carefully
Confirm contingencies (inspection, financing, appraisal), timelines, inclusions/exclusions, and who pays what at closing. - Prepare for Closing
Bring government ID, certified funds, and lender-required docs. Verify final numbers on the Closing Disclosure and do a final walk-through.
Final Thoughts
Buying without a realtor isn’t for everyone, but with preparation—and pros like an attorney, inspector, and lender—you can close confidently. Keep this checklist handy to track each step and protect your investment.