Buyer guide
What to do before your first home tour
A little preparation helps you focus on how a home could work for your everyday life—not just how it photographs.
Start with a comfortable monthly range
Think about what you can comfortably spend while keeping room for utilities, maintenance and the rest of your life. A lender’s approved amount and your personal comfort level are different questions. Write down both before you tour.
Bring financing questions
Ask a lender what documents they need, how a preapproval differs from a prequalification, and which costs sit outside the loan payment. Ask about taxes, insurance, possible association dues and cash needed at closing. Don’t assume an online payment estimate includes everything.
Separate must-haves from preferences
Choose a short list of practical needs: bedrooms, access, workspace or commute. Keep a separate list of things you could change later. In Richmond, compare the actual journey to work and daily errands rather than relying on mileage alone.
Use the same notes at every stop
Record layout, natural light, visible condition and questions for your agent. Ask before taking photos. Don’t open personal belongings or share images of an occupied home publicly. After each visit, note one strength and one concern while the details are fresh.
Further reading
General education, not personal financial, legal or tax advice. Bring situation-specific questions to an appropriate professional.