Home Buying

Move through a purchase with real understanding

Know what every document means, what's negotiable, and what to check before you sign - from offer to closing.

Who this is for

First-time and repeat buyers who want to understand the process, not just be walked through paperwork.

What you'll do

  • Understand your offer, contingencies, and financing options
  • Know what an inspection should actually surface, and how to respond
  • Review closing disclosures and know what to question
  • Track every deadline in your purchase agreement
  • Know when a real estate attorney is worth bringing in for your state

Why not just hire someone?

Real estate attorney review in states that require it commonly runs $800-$1,500 - and most buyers never read what they sign.

Frequently asked questions

Do I need a real estate attorney to buy a home?

It depends on your state - some require attorney review by law, others don't. Even where it's optional, understanding your contract yourself before you sign is what actually protects you, whether or not an attorney is also involved.

What should I look for in a home inspection report?

Focus on safety issues, structural concerns, and anything involving the roof, foundation, electrical, or plumbing systems - these are typically the most expensive to fix and the most reasonable to negotiate over.

What is earnest money and can I get it back?

Earnest money is a deposit showing you're serious about the offer. It's typically refundable if you back out under a contingency your contract allows (inspection, financing, appraisal) but can be forfeited if you walk away outside those protections.

What's the difference between pre-qualification and pre-approval?

Pre-qualification is a quick, informal estimate based on unverified numbers you provide. Pre-approval involves the lender verifying your financials and is what sellers typically expect before taking an offer seriously.

Read the full home buying guide on 3Stone AI