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How Long Does It Take to Buy a Home From Start to Finish?

If you’ve decided to buy a new home, you may be excited to start packing your boxes and exploring your new property. You may wonder how much time you need to allow for the buying process. In many cases, it can take about 90 days to go through the whole process, though the length of time will depend on what happens at every stage.

How Long Each Step in Buying a Home Takes

How long it takes to find your home will depend on how long each stage takes:

  • Finding a home: To buy a property, you first have to find one you wish to purchase. This alone can take 30-60 days or longer. How long it takes will depend on the homes available and on the specific property you are looking for. Being somewhat flexible about what your “dream home” needs to have and looking in markets with lots of inventory can help keep your search shorter. Starting your search as soon as you realize you may want a house also helps.
  • Getting financing: If you need a mortgage loan, the financing process will also take some time. Conventional loans can take 45 days to close, while USDA and some other government-backed loans can take as many as 60 days. You can make the process run as smoothly as possible by getting your finances in order and by applying for pre-approval.
  • Closing: The time between having an offer accepted and closing can vary widely, depending on your financing and how motivated the sellers are. How quickly lawyers can prepare the title binder, title search and other details also counts, as do any last-minute issues or challenges. You can shorten the closing time with good communication about expected closing dates and by finding a home with sellers who are willing to accommodate a fast closing.

Other Ways to Shorten the Time

If you are in a rush to find a home, either because your lease is ending or because you need to be moved into a new home before starting a new job or some other deadline, there are other ways to reduce the length of time it takes to buy a house. You might want to work with a real estate agent who understands the time pressure and can help you with timelines, guiding you through the steps of the process. If you need extra time to sell a current house, a real estate agent can also help you time your move correctly.

If you’re ready for a move, CENTURY 21 Core Partners can help.  We are the York, PA, real estate company dedicated to helping both sellers and buyers get the most of out of the process. With our extensive experience and resources, we give you the services and the tools you need to move on your terms. Check out our open houses today or contact CENTURY 21 Core Partners about financing to get started.

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Our agents write often to give you the latest insights on owning a home or property in the Central PA, Northern Maryland area.