1) Get a free copy of your credit report. Visit

2) Know your rights. Visit

3) Research mortgage companies. Shop around for the best interest rates.

4) Know what loans are available for first-time homebuyers.

5) Get pre-approved.

6) Calculate your own budget to see how much you can afford.

7) Define your wants and needs in a house – new construction vs. resale.

8) Check out the local school districts.

9) Narrow down the area you want to live in.

10) Start looking at homes.

11) Talk to the neighbors in the areas you are looking.

12) Get a copy of the local crime report for your neighborhood.

13) Pick a REALTOR®.

14) Check comparable sales in the neighborhood.

15) Make an offer.

16) Start negotiating; be prepared to walk away if you don’t get what you want.

17) Have your REALTOR® ask for the seller to purchase a home warranty.

18) Get the home inspected; know what to look for at your home inspection.

19) Sign the contract.

20) Apply for homeowner’s insurance.

21) Set a closing date and know what the closing costs will be.

22) Do a final walk-through of the home.

Notice to Web Site Users

Information contained on this web site has been compiled in good faith by the Bitterroot Valley Board of REALTORS®.  However, no representation, warranty or guarantee of any kind is made as to the completeness or accuracy of the information presented.  Users of this web site must verify the current completeness and accuracy of all information provided.  Users should be aware that the information provided may, among other things, be incomplete, may contain errors or may have become out of date.  The Board reserves the right to add, modify or delete any information on this web site at any time but disclaims any duty to do so or to update the site.  Additionally, as to companies, organizations or government agencies listed on this web site, users must make their own independent evaluations of them.  The Board does not recommend or endorse any company or organization, or the services or products it provides.