Buyer's Guide

Your Home Buying Roadmap


Buying a home is one of the biggest decisions you will make. Here is exactly how the process works, from your first call to keys in hand.

15Steps to Closing
30–45Days, Offer to Keys
3.5%Minimum Down (FHA)
$0Down with VA Loan
Your Progress 0 of 15 steps checked

Let's Walk Through This Together


Hey, I'm Joe Saling with Saling Homes at eXp Realty, and I've been helping people buy and sell homes across the Portland metro area for over a decade. From Portland proper to Beaverton, Lake Oswego, West Linn, Happy Valley, Tigard, Sherwood, and everywhere in between, I know these communities inside and out.

I put this guide together because I believe you should know exactly what to expect before we even start looking at homes. Whether this is your first home or your fifth, the process has a rhythm to it. Once you understand the steps, the whole thing feels a lot less overwhelming.

Use the checkboxes on each step to track where you are. Your progress saves automatically to your browser.

Craftsman front door and porch in Irvington neighborhood, Portland Oregon

The Four Phases of Buying a Home


Click any phase below, then tap any step to expand the full detail. Use Previous and Next to move through the four phases.

🔑
Phase 1

Get Ready

Week 1
1

Check Your Credit Score

2

Sign a Buyer Representation Agreement

3

Get Pre-Approved for a Mortgage

4

Understand Your Down Payment and Closing Costs

5

Research Areas and Define Your Priorities

Joe's note: Most buyers skip the buyer agreement conversation because it feels awkward. It shouldn't. It protects you as much as it protects me. I walk every client through it in plain English before we ever step inside a home.
Phase 1 of 4

How Much Do I Actually Need to Buy a Home?

Enter a home price to see a side-by-side breakdown of down payment options and estimated closing costs. These are ranges, not guarantees. Your lender gives you the specific number.

$
$100K$1.5M
VA Loan
Down Payment
$0
0%

Est. Closing Costs
$0
Total Needed
$0
For eligible veterans and active military. No PMI required.
Conventional
Down Payment
$0
5%

Est. Closing Costs
$0
Total Needed
$0
620+ credit. PMI required until 20% equity reached.
Conventional
Down Payment
$0
20%

Est. Closing Costs
$0
Total Needed
$0
No PMI. Best long-term cost. Requires strong savings.

Closing costs estimated at 2.5–3.5% of purchase price and vary based on lender, title company, and transaction details. Down payment assistance programs may be available in Oregon, ask your lender. These figures are estimates only.

Which Portland Metro City Is Right for You?


Answer three quick questions to get a personalized recommendation, then browse all city guides below.

What matters most to your daily commute?

Browse All Portland Metro City Guides

Each guide covers neighborhoods, dining, parks, schools, commute times, employers, and what it actually feels like to live there.

Let's Talk

Ready to Get Started?

No pressure, no sales pitch. Let's have a real conversation about where you are, what you're looking for, and how I can help you get there.

Saling Homes at eXp Realty is committed to the principles of the Fair Housing Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, or national origin. Licensed in the State of Oregon. Information deemed reliable but not guaranteed. Verify all data independently before making real estate decisions.


Buyer's Guide

Your Home Buying Roadmap


Buying a home is one of the biggest decisions you will make. Here is exactly how the process works, from your first call to keys in hand.

15Steps to Closing
30–45Days, Offer to Keys
3.5%Minimum Down (FHA)
$0Down with VA Loan
Your Progress 0 of 15 steps checked

Let's Walk Through This Together


Hey, I'm Joe Saling with Saling Homes at eXp Realty, and I've been helping people buy and sell homes across the Portland metro area for over a decade. From Portland proper to Beaverton, Lake Oswego, West Linn, Happy Valley, Tigard, Sherwood, and everywhere in between, I know these communities inside and out.

I put this guide together because I believe you should know exactly what to expect before we even start looking at homes. Whether this is your first home or your fifth, the process has a rhythm to it. Once you understand the steps, the whole thing feels a lot less overwhelming.

Use the checkboxes on each step to track where you are. Your progress saves automatically to your browser.

Craftsman front door and porch in Irvington neighborhood, Portland Oregon

The Four Phases of Buying a Home


Click any phase below, then tap any step to expand the full detail. Use Previous and Next to move through the four phases.

🔑
Phase 1

Get Ready

Week 1
1

Check Your Credit Score

2

Sign a Buyer Representation Agreement

3

Get Pre-Approved for a Mortgage

4

Understand Your Down Payment and Closing Costs

5

Research Areas and Define Your Priorities

Joe's note: Most buyers skip the buyer agreement conversation because it feels awkward. It shouldn't. It protects you as much as it protects me. I walk every client through it in plain English before we ever step inside a home.
Phase 1 of 4

How Much Do I Actually Need to Buy a Home?

Enter a home price to see a side-by-side breakdown of down payment options and estimated closing costs. These are ranges, not guarantees. Your lender gives you the specific number.

$
$100K$1.5M
VA Loan
Down Payment
$0
0%

Est. Closing Costs
$0
Total Needed
$0
For eligible veterans and active military. No PMI required.
Conventional
Down Payment
$0
5%

Est. Closing Costs
$0
Total Needed
$0
620+ credit. PMI required until 20% equity reached.
Conventional
Down Payment
$0
20%

Est. Closing Costs
$0
Total Needed
$0
No PMI. Best long-term cost. Requires strong savings.

Closing costs estimated at 2.5–3.5% of purchase price and vary based on lender, title company, and transaction details. Down payment assistance programs may be available in Oregon — ask your lender. These figures are estimates only.

Which Portland Metro City Is Right for You?


Answer three quick questions to get a personalized recommendation, then browse all city guides below.

What matters most to your daily commute?

Browse All Portland Metro City Guides

Each guide covers neighborhoods, dining, parks, schools, commute times, employers, and what it actually feels like to live there.

Let's Talk

Ready to Get Started?

No pressure, no sales pitch. Let's have a real conversation about where you are, what you're looking for, and how I can help you get there.

Saling Homes at eXp Realty is committed to the principles of the Fair Housing Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, or national origin. Licensed in the State of Oregon. Information deemed reliable but not guaranteed. Verify all data independently before making real estate decisions.