Before you walk through
Confirm the tour is public rather than a broker-only event, verify the time and check whether the home is still listed. Set an all-in payment ceiling that includes taxes, insurance and association dues instead of looking only at principal and interest.
- Save the address and source listing
- Have a preliminary financing budget
- Plan a route that allows careful viewing
During the tour
Check visible signs of deferred maintenance, moisture, roof or ceiling damage, drainage concerns and aging equipment. Ask about past repairs, known association assessments and how to get property disclosures. Do not test or open systems without permission.
- Note roof and HVAC ages when available
- Ask for seller disclosures and HOA information
- Photograph only where permitted and keep organized notes
After the tour
Arrange private access and licensed inspections for serious candidates. Confirm flood and homeowners coverage with insurers, taxes with local records and valuation with comparable closed sales. Coordinate lender appraisal and financing deadlines before making a commitment.
- Request a property-specific payment estimate
- Revisit top choices with your agent
- Do not mistake an open-house visit for complete due diligence
Official information
Terms, loan rules, funding and eligibility can change. These references are for education; always confirm the current written terms with the appropriate agency and lender.
CFPB — Buying a home ↗