The NYC Homebuying Process
Hover each step to learn more
Steps 1 — 6
01
Choose
Broker
Work with a New York expert who understands co-ops, condos, and townhouses and knows how to get you to closing.
02
Pre-
Approved
I'll connect you with a trusted lender so you're financially ready from day one. (1 to 3 days)
03
Start
Search
We zero in on the right neighborhoods, buildings, and layouts. We tour, compare, and refine with context. (1 to 8+ weeks)
04
Make
Offer
When the right place appears, we craft a strong, informed offer designed to stand out. (1 to 3 days)
05
Offer
Accepted
The seller agrees. Momentum matters from here. (Same day to 2 days)
06
Due
Diligence
Your attorney and inspector review financials, building health, and key details. (3 to 7 business days)
Steps 7 — 12
07
Negotiate
Issues
If issues arise, we address them through repairs, credits, or price adjustments. (1 to 3 days)
08
Contract
& Deposit
Contracts are signed and the deposit, typically 10%, is submitted. (1–3 business days)
09
Appraisal
Your lender confirms value to finalize loan terms. (7 to 14 days post-contract)
10
Board &
Loan Review
Submit your loan application and, for co-ops, your board package. Condos take 5 to 15 business days; co-op boards can take 2 to 5+ weeks including an interview.
11
Clear
to Close
Underwriting wraps up and the lender issues the clear to close. (5 to 10 business days)
12
Closing
& Keys
Final walkthrough 1 to 2 days before closing. Closing day, keys in hand. Welcome home! (30 to 60 days)
Buying in New York isn't intuitive. Financing, contracts, board packages, interviews. Miss a step and the apartment is gone.
You're competing against seasoned buyers with professional representation. Having the right agent means you're protected on price, thorough in due diligence, and never a step behind.
My goal is to position you to compete with confidence and a clear plan. There are stressful moments and exciting ones, and with me, you're never navigating them alone.
Ready to find your dream home?
Get in Touch