Sign up to get new listings emailed daily! JOIN SIGN IN
Lee Ann Ruby
REALTOR®, Associate Broker
Serving Metro Richmond
Facebook Icon LinkedIn Icon YouTube Icon Instagram Icon 

The Home Buying Process

How to best buy or sell a home - A guide from the Virginia Association of Realtors


The Decision to Buy

  • Is homeownership the right decision for you
  • Buy vs rent
  • How much house can I afford

Selecting a Real Estate Agent

  • Does the agent work in the areas you are interested in?
  • Who does the agent represent?
  • What’s the benefit to you of using a buyer’s agent

The Finances & Pre-Approval

  • Gather your info & check your credit rating
  • Get pre-approved to determine your buying power
  • Line up your cash – down payment, closing costs, moving, etc.

Shopping for the Perfect Home 

  • The must haves & nice to haves
  • Compromise & flexibility
  • List & prioritize

The Offer

  • What’s it worth
  • Buyers market or seller’s market
  • Negotiations


  • The final act
  • The transfer of ownership from the seller to the buyer
  • The details of the finances are summarized 



Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 01/29/2023. The listing information on this page last changed on 01/29/2023. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of CAAR MLS (last updated Sun 01/29/2023 1:55:29 PM EST) or CVRMLS (last updated Sun 01/29/2023 10:02:38 AM EST) or Williamsburg MLS (last updated Sun 01/29/2023 10:54:22 AM EST) or NNAR MLS (last updated Sun 01/29/2023 1:26:32 PM EST) or Chesapeake Bay & Rivers (last updated Sun 01/29/2023 12:50:24 PM EST). Real estate listings held by brokerage firms other than Napier Realtors ERA may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

© 2022 Napier Old Colony Realtors Inc, dba Napier Realtors ERA. All rights reserved.

Privacy Policy / DMCA Notice / ADA Accessibility

Agency License Information: A licensed real estate firm in the state of Virginia.

Login to My Homefinder

Login to My Homefinder