First purchase
A first purchase involves vocabulary, paperwork and deadlines nobody explains up front. This page walks through the whole process in order, and Rashmi Nigam goes through it with you at your pace.
At a high level: get pre-approved, set your criteria, tour homes, write an offer, complete inspections and appraisal, finish loan underwriting and close. Each step has its own timeline, and knowing the order removes most of the anxiety.
A lender reviews your income, assets, credit and debts and issues a pre-approval letter. Ask about loan types available to you, estimated monthly payment, funds needed at closing and how long the approval is valid.
Your payment is more than principal and interest. Property taxes, insurance, any HOA dues and mortgage insurance all belong in the number you plan around, along with maintenance once you own.
Compare areas on the factors you can verify: property types and housing age, drive times to work or campus, access to highways, and proximity to the services and amenities you use regularly.
Use the property search to see what is currently available, and share the homes worth a closer look. Rashmi will confirm details that listings do not always make clear.
Plan on touring several homes in one outing so you can compare. Look past decor at layout, light, storage, mechanical age, signs of moisture and how the property has been maintained.
Rashmi explains each term before you sign: price, option period and option fee, earnest money, financing and appraisal provisions, closing date and any concessions you are requesting.
You choose a licensed inspector and attend if you like. The report gives you a practical picture of the home and the basis for any repair conversation with the seller during the option period.
Your lender orders the appraisal to confirm the property value supports the loan. Rashmi supplies comparable sales information and reviews your options if the result comes in differently than expected.
You will complete a final walkthrough, review your closing disclosure, bring the required funds by wire or cashier's check, sign at the title company and receive keys once funding is complete.
Keep your closing documents, set up utilities and insurance, note where the shutoffs and breakers are, and plan for seasonal maintenance. Tax and homestead exemption filings are worth calendaring in your first year.
Rashmi answers questions as many times as needed, explains documents in plain language, coordinates showings around your schedule and keeps every deadline visible so nothing is a surprise.
Local perspective
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Answers
Start with a conversation about your goals, preferred areas, budget range and timeline. From there the usual first step is speaking with a lender about pre-approval so your search focuses on homes you can actually write an offer on.
If you are financing, a pre-approval letter is generally expected with an offer in this market. It also tells you what your monthly payment looks like before you tour homes. Rashmi can share lender options and you are free to use your own.
Yes. First-time buyers are a core part of the practice, and the process is explained at each step rather than assumed. See the first-time homebuyer page for a full walkthrough.
You share the homes you want to see, Rashmi confirms availability and schedules access, and you tour them together in person or by video if you are out of state. Notes and follow-up questions are handled after each tour.
You move into the option and financing period: inspections, any repair negotiation, appraisal, lender underwriting, title work and then closing. Rashmi tracks the dates so nothing is missed.
Start with a conversation. There is no cost and no pressure to move before you are ready.
