1 – GATHER FINANCIALS

The first step in to take before buying a home is to request your credit report from all 3 credit bureaus (HudsonPrice, Data Solutions Limited, and XDSdata Ghana).
Fix any errors you spot! Then, compile necessary documents, including pay stubs, bank statements, and past tax returns.

2 – RESEARCH MORTGAGES

Find out if you qualify for a special loan, such as a VA, FHA, or HUD home buying program. Then finally, get preapproved for a mortgage.

3 – EXPLORE NEIGHBORHOODS

Explore your neighbourhoods to find your suitable options and find properties in your price range in your preferred neighborhood. You also have to get a sense of whether the neighbourhood is on an upswinging or a downswinging by looking for features that denote up-and-coming areas. Again, spend time in each area, imagining yourself living there. (Keep in mind, it’s ideal to stay put for at least 5 years.)

4 – MAKE A HOME SHOPPING LIST

Get a head start by compiling your home wish list with the following:
Must-haves, such as required number of bedrooms
and bathrooms
Nice-to-haves, such as a home on a cul-de-sac or a garden shed/workshop in the backyard
Dream features, such as pro-grade kitchen appliances or a hot tub off the master bedroom.

5 -FIND AN AGENT

Review agent profiles and ratings on Meqasa or other listing sites.
Find an agent who specializes in your home type and prospective new neighborhood. Then, ask questions and call references.

START HOUSE HUNTING

Finally, get an agent or agents and go through the listings.
Then, visit open houses and have your agent schedule private showings.