Looking for a new home? Dye Tavary & Judge Realty has you covered.

our experienced agents will be with you every step of the way.

Searching for the right home to fit your family’s needs can be a long and often confusing process, even when you have specific ideas in mind. We know the area well and have built strong relationships with other agencies and local banks so can we help you find your dream home.

The Home Buying Process – What to Expect

1. Talk With a Lender

Start gathering your financial documents

Before you begin looking at homes, it is a good idea to start the loan application process. A pre-approval from your lender will go a long way to having your offer accepted when you finally find your dream home.

Here is a list of the documentation your lender may ask for:

Financial Statements

Bank Accounts


Credit Cards

Auto Loans

Recent Pay Stubs

Tax Returns for Two Years

Copies of leases for investment properties

401K statements, life insurance, stocks, bonds, and mutual account information

Check Your Credit Score


Credit Score Significance

Your credit score has a significant effect on what kind of home you can buy. It is recommended to check your credit score with an experienced lender to help determine the amount you can afford. Your lender will analyze your credit score from all three credit reporting agencies, Equifax, Experian and Trans Union as part of the pre-approval process. If you need help finding a lender, we are happy to recommend experienced, informed lenders in the area.


Keep an Eye on Your Finances

It is important to approach your property purchase with financial stability in mind. Making large purchases or sudden career changes could negatively affect your ability to qualify for a home loan.

2. Find Your Dream Home

Submitting an offer


Order an Inspection

When you are accepted by the seller for the home, there will need to be an inspection. First, there will need to be a licensed property inspector present. The inspector goes to the property to conduct a thorough check within the compounds of the home.


Appraisal & Lending

A lender is an important factor in the home buying process. They provide the mortgage so that the buyer can purchase the home. It is important to have a lender be a part of your process, for additional documents that need to be approved for a loan.


Property Insurance

Insurance is imperative for home buying. As a buyer you will be required by your lender to purchase insurance on your property. The amount and value of the insurance is contingent on the lender and the price of the property.

3. Move In!

Final Inspections

When you close on a home there will be a final inspection, depending on the time frame it is up to the buyer and the seller to know the dates. For the final inspection you will visit the property and make sure everything is in place. That means, making sure there are no items left behind.



Closing on a home marks the most significant and thrilling stage of the process. During this phase, it's crucial to be aware that a closing agent will be present to facilitate the settlement of a statement, which will outline important financial details for the lender. Both the buyer and seller will be required to sign this statement alongside the closing agent, ensuring that all parties are in agreement and providing a formal acknowledgment of the transaction.