Buying your first home in Lubbock is exciting — and a little overwhelming. There are a dozen moving parts, most of them happening for the first time, and it's easy to feel like everyone in the room knows the rules except you. This checklist fixes that.
It's a single printable page that walks you through all five phases of a purchase, in order, so nothing slips through the cracks:
- Financial prep — the credit pull, paying down the right debts, how much to actually save, and the gift-letter rules that trip people up.
- Pre-approval — which documents to gather, soft vs. hard credit pulls, and the factors that quietly move your interest rate.
- House hunting — separating must-haves from nice-to-haves, vetting a neighborhood, and what to look for at every showing.
- Offer & negotiation — earnest money, the option fee, contingencies, and when an escalation clause makes sense.
- Inspection & closing — the general inspection, specialty inspections worth paying for, repair amendments, the final walkthrough, and reading your closing disclosure before you sign.
Print it, keep it on the fridge, and check off each line as you go. When you're ready for a real conversation — pre-approval, a specific house, or just a gut check — Tanner answers his own phone. Download the checklist below to get started.