Buyer Journey
Buy with a clear plan
Thoughtful representation and straight answers for Minnesota buyers, from first showing to closing table.
Buying a home can feel complicated, especially when financing, timing, inspections, and negotiations all begin moving at once. My role is to slow the process down, explain the options clearly, and help you make one confident decision at a time.
Andrea Nemetz
Guides
Where to start
Start here
The Process
The journey, step by step
- 01
Prepare Financially
Credit, income, savings, and debt in one clear picture.
- 02
Mortgage Financing
A verified pre-approval sets your price and strengthens offers.
- 03
Find the Right Home
Tour homes that fit your lifestyle and long-term goals.
- 04
Make an Offer
Structure price, earnest money, and contingencies to compete.
- 05
Inspection
An independent inspector evaluates the home.
- 06
Appraisal
The lender confirms the value supports the loan.
- 07
Underwriting
Final review before clear to close.
- 08
Closing Day
Sign, fund, record, and receive keys.
Frequently Asked
Answers to common questions
How much down payment do I need?+
It depends on the loan program. Some conventional loans allow as little as 3% down, FHA typically requires 3.5%, and VA and USDA loans may allow 0% down for eligible buyers.
What credit score do I need to buy a house?+
Minimums vary by program. FHA generally starts around 580, conventional around 620, and VA has no set minimum but most lenders look for around 580 to 620.
How long does buying a home take?+
From an accepted offer to closing, most buyers finish in 30 to 60 days. Preparation and home shopping time varies with inventory and personal readiness.
Do I need 20% down to avoid PMI?+
No. 20% is one way to avoid PMI on conventional loans, but many buyers put less down and remove PMI later as equity grows.
Can I buy before selling my current home?+
Yes. Options include bridge financing, HELOCs, contingent offers, or qualifying on both properties. The right path depends on your equity and market.
Guide
Take it with you
Minnesota Buyer's Guide (PDF)
Pre-approval checklist, offer strategy, and closing prep in one printable guide.
Request the guideNext Step
Ready to find your Minnesota home?
Whether you're months away or ready this weekend, a short conversation is the fastest way to a plan.
Start your search
Let's find the right home.
Share a few details and Andrea will set up a personalized search and a plan for the steps ahead.