The Home Buying Process: 8 Steps to Buying a House in Gig Harbor
Buying a home can feel overwhelming—but it doesn’t have to. Whether you’re a first-time buyer or a seasoned mover, understanding the full home buying process is the first step toward making smarter decisions.
This guide breaks it down into X simple, local-focused steps to help you buy a home in Gig Harbor with confidence.
8 Steps to Buying a House in Gig Harbor
Step 1 – Get Financially Ready
Check your credit, set a budget, and gather key documents
Before you start dreaming about the perfect home in Gig Harbor, it’s essential to ground yourself in your finances.
Review your credit score. A higher score typically means better mortgage rates. Pull your reports early and fix any errors that could affect your loan approval.
Set a realistic budget. Use online calculators or work with a lender to determine what you can comfortably afford. Be sure to factor in taxes, insurance, and maintenance.
Start saving for a down payment. Most buyers aim for 5%–20%, depending on the loan type.
Gather key documents. You’ll need tax returns, W-2s, pay stubs, bank statements, and more. Getting organized now speeds up the pre-approval process.
A solid financial foundation gives you the confidence to act quickly when the right home comes along.
Step 2 – Get Pre-Approved by a Trusted Lender
Understand your purchasing power and prepare to act fast in competitive markets
Getting pre-approved is more than a formality—it shows sellers you’re serious. It can also be the difference between winning your dream home or missing out.
We’ll connect you with trusted local lenders if you need recommendations.
Pre-approval also helps identify your price range, monthly payment, and any red flags that need resolving early.
Remember, shopping local for a lender—just like with your agent—gives you an advantage in this tight market.
Step 3 – Meet with Paige and Map Out Your Goals
This is where Paige’s process begins—align on what matters most to you
Let’s talk through your goals and must-haves, either in person, via Zoom, or by phone.
We’ll:
Determine whether you’ve already spoken with a lender
Complete our “Dream Home” Buyer Survey to get clear on your vision
Match you with two dedicated buyer agents based on your lifestyle and schedule
You’ll also get an early look at the current market landscape and what it takes to write a competitive offer in Gig Harbor today.
Step 4 – Start the Home Search
Tour homes in Gig Harbor and nearby neighborhoods, evaluate fit and timing
Now the fun begins.
Explore neighborhoods, schools, shopping, restaurants, and more to see what life in Gig Harbor truly looks like.
Get a hands-on look at homes that meet your criteria to help narrow your focus.
Use our Team Schulte & Co. app (available in the App Store) to track listings straight from the MLS—plus access 140+ local contractors, school insights, and dining recommendations.
We’ll guide you with hyper-local knowledge so you feel confident and at home long before you move in.
Step 5 – Make a Competitive Offer
Craft an offer with strategy and market insight behind it
You’ve found the one—now it’s time to make your move.
We’ll help you:
Write a compelling offer based on current market conditions
Decide when to use tools like pre-inspections or escalation clauses
Leverage our relationships with local agents to get valuable insight
Whether it’s a bidding war or a quieter listing, we’ll strategize to get you the best deal and terms.
Step 6 – Navigate the Inspection and Appraisal
Stay informed during these critical steps. Paige helps you assess everything clearly
Once you’re under contract, it’s time to dig into the details.
We’ll walk you through the home inspection process and help evaluate repair needs.
If the home is appraised lower than expected, we’ll help you navigate your options.
Our guidance ensures you’re protected and your investment is sound.
This is about more than paperwork—it’s peace of mind.
Step 7 – Prepare for Closing Day and Final Walkthrough
Tie up loose ends, review lender docs, and check the home before keys are handed over
We’re almost there.
Our transaction coordinators will keep your file on track, coordinate with escrow and the lender, and ensure no detail gets missed.
We’ll help you review closing disclosures and lender paperwork ahead of time.
You’ll do a final walkthrough to ensure everything is move-in ready, including verifying any agreed-upon repairs.
We’ll also help coordinate moving details like measurements and setting up utilities.
Step 8 – Close and Celebrate!
Sign, get the keys, and make it official—you’re a homeowner!
Welcome home! On closing day, you’ll sign final documents and officially become a Gig Harbor homeowner.
As a gift from us, you’ll receive a home warranty for extra peace of mind in your first year. You’ll also get access to our full contractor list, community videos, and an invite to our year-round events.
We’re not just your real estate team—we’re your neighbors and guides to this incredible community.
Still have questions? Whether you're ready to buy or just exploring your options, Paige Schulte is here to help. Watch the short video below to learn more about the experience—and then reach out to take your first step with confidence.