The Home-Buying Process, Step by Step
Here is the entire Arizona buying process laid out in order, so you always know what is happening now and what comes next.
From pre-approval to under contract
It runs in a clear sequence: get pre-approved, define your criteria, tour homes, and write an offer when you find the one. Once the seller accepts and you both sign, you are under contract and the clock starts on the timelines that protect you.
Your earnest money goes into escrow at this point, and the diligence period begins.
Inspection, appraisal, and the path to closing
During the inspection period you have the home professionally inspected and, through the BINSR, can request repairs or credits. If you are financing, the lender orders an appraisal. Title work confirms clear ownership. When financing, appraisal, and conditions are satisfied, you do a final walkthrough and sign at closing.
I track every deadline in that sequence so nothing slips. Missing a date can cost you money or your earnest deposit, and that is exactly what I am there to prevent.
Live MLS search
See what is on the market in the Valley
Search live ARMLS listings in the Valley with the full map and filters, or tell me your criteria and I will set up automatic alerts so new matches reach you the moment they hit the market.
Written by
Jon Hegreness
REALTOR / Associate Broker, Howe Realty. AZ License BR540940000. 24 years in Phoenix Valley residential real estate.
I am a full-time Valley broker, not a call center. If anything here raised a question about your own move, ask me and you get a straight answer from the person who wrote this, every time.
Common questions
- How long does it take to buy a home in Arizona?
- Once you are under contract, 30 to 45 days is common for a financed purchase, though cash and other factors change it. Finding the right home is the variable part. I help you move efficiently on both.
- What happens if the appraisal comes in low?
- You have options: renegotiate the price, cover the gap, or in some cases walk away depending on your contract terms. This is a negotiation moment, and handling it well is a big part of what I do.
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