Your Step-by-Step Central Ohio Home Buying Guide
Buying a home is a major milestone—and whether it’s your first time or your fifth, having the right plan and people in place makes all the difference. At The Greenwell Group, we’ve helped thousands of buyers across Central Ohio navigate the market with clarity and confidence.
This guide outlines the key steps, what to expect, and how we’ll be by your side from start to finish.
Step 1: Get Pre-Approved
Before you fall in love with a home, it’s important to know what you can comfortably afford. Getting pre-approved shows sellers you’re serious and gives you a clear price range to work within.
We recommend starting with a trusted lending partner such as James Cockerill, Mortgage Loan Originator (NMLS# 674954) at Howard Hanna Mortgage Services.
🔗 Connect with James ›
The 5 Key Steps to Buying a Home
- Define Your Needs: Identify must-haves like layout, schools, yard, and commute.
- Begin the Search: Browse listings or request a custom alert for new homes.
- Tour Properties: We schedule and attend showings with expert feedback.
- Make an Offer: Craft a competitive offer with our negotiation support.
- Close With Confidence: From inspections to signing, we’ll manage the details.
Ready to go deeper? Explore the Full Buyer Guide ›
Ready to Start?
Have questions or want to talk through your goals? Schedule a home buying consultation and we’ll create a plan that fits your budget, timeline, and needs.
Buyer Tips from Our Blog
Stay ahead with advice on mortgages, negotiations, inspections, and more—written for Central Ohio buyers like you.
Frequently Asked Questions About Buying a Home
- How much should I save for a down payment?
- Down payments vary by loan type, but typically range from 3%–20% of the purchase price. We’ll help you explore all your financing options.
- What credit score do I need to qualify for a mortgage?
- Most lenders prefer a credit score of 620+ for conventional loans, though FHA loans may allow lower scores.
- How long does the home buying process usually take?
- From pre-approval to closing, most transactions take 30–60 days depending on inspections and financing.
- Can I buy a home with student loans or other debt?
- Yes. Lenders focus on your overall debt-to-income ratio, and we’ll connect you with loan programs that fit your profile.
- What happens if there are competing offers?
- We’ll guide you through negotiation strategies that strengthen your position while protecting your budget.
- What costs should I expect at closing?
- Closing costs typically range from 2%–5% of the purchase price. We’ll review your estimate line by line so there are no surprises.
- Do I need a home warranty?
- A home warranty is optional but can provide peace of mind. We’ll help you decide if it’s the right fit for your situation.
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