Your 3-Month Game Plan to Buying a Home (Step-by-Step Guide)
Buying a home is one of the most exciting — and overwhelming — experiences you’ll ever have.
If you’re planning to buy in the next few months, you might already feel the nerves: there’s a lot of information out there, plenty of market noise, and it’s hard to know where to start.
That’s why I’ve created this three-month game plan — a clear roadmap that breaks down every step, from planning to closing. Whether you’re a first-time buyer or a seasoned homeowner, this plan will help you move confidently and make smart decisions.
🗓️ Why Three Months?
From my experience working with hundreds of buyers, the home buying process typically takes around three months from the time you start planning to the day you get your keys.
That timeline can be shorter or longer depending on your readiness — but three months is a realistic average that gives you time to plan, search, and close comfortably.
We’ll divide this plan into three key phases:
Planning (Weeks 1–2)
Home Hunting (Weeks 3–10)
Closing (Weeks 11–12)
🧩 Phase 1: Planning (Weeks 1–2)
This is where everything begins — and honestly, it’s the most crucial step.
Good planning will set you up for success, reduce stress, and save you time later.
Here’s what to do:
1️⃣ Avoid the “Realtor.ca Syndrome”
Many buyers start by endlessly scrolling through listings online — falling in love with dream kitchens and perfect backyards before even knowing what they can afford.
Then they discover that the homes they love are already sold, or out of their budget.
Instead, plan first, search later.
Sit down with a real estate professional and a mortgage broker early. This way, you’ll understand your numbers, know your buying power, and be ready to act fast when the right home appears.
2️⃣ Set a Realistic Budget
Most buyers focus on the purchase price — but what truly matters is your monthly payment.
Ask yourself:
👉 What’s the maximum monthly payment you’re comfortable with?
👉 How does that translate into a purchase price based on current interest rates?
Work with your mortgage broker to get a clear picture of your financial limits before starting your search.
Remember: just because you can qualify for a higher amount doesn’t mean you should.
3️⃣ Get Pre-Approved
Getting a mortgage pre-approval is non-negotiable. It tells you exactly how much you can afford and shows sellers you’re a serious buyer.
A mortgage broker can shop around for the best rates across multiple lenders — including major banks, credit unions, and private lenders — saving you both money and time.
4️⃣ Define Your Needs and Wants
Before you fall in love with a listing, make a list of what’s non-negotiable and what’s nice to have.
For example:
✅ Needs: 3 bedrooms, 2 bathrooms, near a school
✨ Wants: Finished basement, large backyard, double garage
This list will guide your decisions and help you stay grounded when emotions run high during showings.
5️⃣ Plan Your Exit Strategy
Even if this is your first home, think ahead.
Ask yourself:
Will this property appreciate in value?
Could it become a rental or investment later?
What’s my plan for the next 3, 5, or 10 years?
I call this your Real Estate Action Plan — it ensures your purchase supports your long-term goals, not just your current needs.
🏘️ Phase 2: Home Hunting (Weeks 3–10)
Now that you’re financially and mentally ready, it’s time to find your home.
1️⃣ Explore Neighborhoods
Drive or walk around the areas you’re interested in.
Visit on both weekdays and weekends.
See how long the commute takes from work and check out the nearby amenities.
Sometimes moving just 15 minutes farther can save you $50,000 or more — without sacrificing lifestyle.
2️⃣ Get Direct MLS Access
Instead of relying solely on public websites, ask your realtor for direct MLS access.
This ensures you see listings in real time — often before they appear elsewhere online.
You can also set up alerts tailored to your exact preferences, saving you hours of scrolling.
3️⃣ Visit Open Houses
Open houses give you a realistic sense of value and layout. Even if the home isn’t “the one,” they help you understand what’s available in your price range.
4️⃣ Stay Within Budget
Once you’re pre-approved, stick to your plan.
Don’t let emotions push you into overbidding — especially when competition heats up.
Your realtor’s job is to help you make smart, data-driven decisions based on comparable sales and market trends.
5️⃣ Be Ready to Take Action
When the right home appears, move quickly.
Homes in desirable areas sell fast — sometimes within days.
If you’ve done the prep work, you’ll be in a strong position to make a solid offer confidently and strategically.
🏁 Phase 3: Closing (Weeks 11–12)
Congratulations — your offer has been accepted!
Now it’s time to finalize the purchase and prepare for move-in day.
1️⃣ Handle the Paperwork
Your mortgage lender may request additional documents like pay stubs or proof of employment. Respond quickly to avoid delays.
2️⃣ Schedule a Home Appraisal and Inspection
Your lender might order an appraisal, and your home inspector will check the property’s condition.
If repairs are needed, your realtor will help you negotiate with the seller.
3️⃣ Lawyer Review & Title Search
Your real estate lawyer will perform a title search to ensure there are no liens or unpaid taxes on the property.
4️⃣ Final Walkthrough
Before closing, visit the home again to confirm everything is in working order — appliances, fixtures, and overall condition.
5️⃣ Sign Your Final Documents
Once all is clear, your lawyer will schedule your signing appointment, finalize the transfer of funds, and hand over the keys.
Time to celebrate — you’re officially a homeowner! 🎉
💬 Final Thoughts
Buying a home doesn’t have to be stressful when you have a plan.
With the right strategy, professional guidance, and preparation, you’ll move through the process with clarity and confidence.
If you’re thinking about buying — whether it’s in 9 days or 9 months — it’s never too early to start planning.
📅 Book a free buyer consultation with me today, and let’s create your personalized Real Estate Action Plan together.
