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Buying a home is an exciting but often time-consuming process. While the timeline can vary based on individual circumstances, understanding the typical steps can help you better prepare. So, how long does it take to buy a house from start to finish?

On average, the home-buying process takes around four months and is divided into three main phases: the search, the offer, and the financing. However, these steps can take longer, depending on factors like market conditions, the home you choose, and your financing options. Let’s examine each phase to understand how long the process might take.

Phase 1: The Search (Up to 3 Months)

The first step in buying a home is finding the right property. According to the National Association of Realtors, in 2019, most buyers took between four and ten weeks to search for and find their new home. If you’re using the internet to search for homes, the process might take closer to ten weeks, while relying on in-person visits alone can shorten this time to around four weeks.

To avoid rushing into a purchase that isn’t the right fit, give yourself at least three months to conduct a thorough search. Take your time exploring different neighborhoods, visiting open houses, and researching the type of home that best suits your needs. Working with a real estate agent can make the search more efficient, helping you narrow your options based on your preferences and budget.

Phase 2: The Offer (Up to 1 Month)

Once you’ve found the perfect home, it’s time to make an offer. In the best-case scenario, the seller accepts your offer without any changes, and this can be done in as little as a day. However, it’s more common for some back-and-forth negotiations, which may take a few days or weeks.

During this time, you’ll also schedule a home inspection. If any issues are found, your offer may need to be adjusted or contingencies added to the contract. Your real estate agent will help you negotiate with the seller to reach an agreement that works for both parties.

Phase 3: The Financing (Up to 1 Month)

Once your offer is accepted and you have a signed sales contract, the final phase is securing your financing. Lenders typically recommend allowing 30 to 45 days to complete the necessary financing documents and get to the closing stage. During this time, your lender will:

  1. Appraise the property to ensure it’s worth the amount you’re borrowing.
  2. Submit your loan application to underwriting, where your finances and ability to repay the loan are scrutinized.
  3. Provide a Closing Disclosure at least three days before the closing date, giving you time to review all terms.

Getting pre-approved for a mortgage before starting your home search can save you one to two weeks during this phase. Pre-approval shows sellers that you’re serious and ready to move forward, which can also speed up the negotiation process.

Once your loan is approved and you’ve received the clear to close, it’s time to sign the final documents and close on your home. After completing all the paperwork, your lender will give you the keys. Congratulations, you’re officially a homeowner!

Conclusion

The timeline for buying a house can vary, but on average, it takes around four months to complete the process from start to finish. Each phase the search, the offer, and the financing—requires time and effort, so it’s essential to plan and stay patient. Knowing what to expect can help make your home-buying experience smoother and more enjoyable, whether you’re a first-time buyer or a seasoned homeowner. 

FAQs

How long do most people take to buy a house?

Most buyers take around four months to complete the home-buying process from start to finish, including searching, making an offer, and securing financing.

How long does it take to get approved for a mortgage?

It usually takes 30 to 45 days to get mortgage approval, but getting pre-approved before you start looking for a home can save time.

How long does it take to move into a house?

Once you’ve closed on your home, you can usually move in immediately or within a few days, depending on your moving arrangements.

 

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