The Roadmap.

We sit down and go through this guide page by page. Needs versus wants, the budget you are comfortable with, the timeline you are actually on, the neighborhoods in play. This is the conversation the whole process is built on.

YOU → Come with your questions. No paperwork required.

Kyle pulls credit, verifies income and assets, and issues a pre-approval letter with your price range and the real monthly payment. This is what makes your offer credible to a seller.

YOU → Send the lender your income, asset, and ID documents.

We turn the consultation into a search: must-haves, deal-breakers, target areas, and live alerts so you see new listings the moment they hit.

YOU → Approve the criteria. Tell me what would make you say no.

Public listings, coming-soon, and homes moving quietly through the agent network. Bring the house-hunting checklist so the homes do not blur together after the fourth one.

YOU → Score each home on the checklist while you are standing in it.

Second showings on the finalists. We drive the block at a different time of day, check the commute, and look at the school and resale picture.

YOU → Trust your gut, then let me pressure-test it.

Before you commit, I pull comparable sales, the days-on-market story, and a price read so you know what the home is worth, not just what it is listed at.

YOU → Nothing yet. This one is on me.

Price plus the terms that matter: closing date, inspection period, earnest money, what conveys with the home, and your contingencies. We decide together where to hold firm and where to give.

YOU → Approve the strategy and sign the offer.

I present it and run every counter. The seller can accept, reject, or counter. You see each move in writing before you respond.

YOU → Respond to counters. I will have a recommendation on each.

You are under contract. The clock starts, the deadlines are real, and the next phase begins the same day.

YOU → Get your earnest money ready to deposit.

Earnest money is deposited with the title company, escrow opens, and the title search is ordered. Your funds are held neutrally, not by the seller.

YOU → Wire or deliver your earnest money on time.

The general home inspection, plus whatever the property calls for: roof, sewer scope, pool, HVAC, termite and wood, electrical, septic. I schedule them and meet the inspectors with you.

YOU → Attend the inspection if you can. Ask everything.

We read the reports together and decide what to ask for. In Arizona this runs through the inspection notice (BINSR): request repairs, a credit, or accept as-is.

YOU → Decide what matters. I draft the request.

You receive the Seller Property Disclosure, the title commitment, the CC&Rs, and any HOA documents. I make sure you understand them before you waive a thing.

YOU → Read them. Flag anything that surprises you.

The lender moves through underwriting and orders the appraisal to confirm value. I keep both on the contract calendar so nothing stalls your close.

YOU → Return every document the lender asks for, fast.

Underwriting signs off and issues the clear-to-close. The loan is approved and the finish line is in sight.

YOU → Hold steady. No new debt, no big purchases.

We walk the home one last time to confirm it is in the condition you agreed to and that any negotiated repairs are done.

YOU → Confirm the home is ready. Speak up if it is not.

You sign the loan and closing documents at the title company. Tana reviews the contract before signature; for relocating buyers it is electronic with a mobile notary where Arizona needs wet ink.

YOU → Bring ID and your closing funds. Read before you sign.

The lender funds the loan, escrow disburses, and the deed records with Pima County. The home is legally yours the moment it records.

YOU → Stay reachable in case anything needs a signature.

Possession transfers on the date in your contract. The recorded deed and your title policy follow in the mail. Welcome home.

YOU → Move in. Then call me for the vendor list.