Buyer's Guide

Before you start looking at homes, get pre-approved for a mortgage. This tells you exactly how much you can afford and shows sellers you're a serious buyer. Gather your financial documents — pay stubs, tax returns, bank statements, and W-2s — and meet with a lender. In Indiana, many local credit unions and banks offer competitive rates for first-time buyers.

Work with a Keith Realty agent to identify neighborhoods that match your lifestyle, commute, and budget. Consider school districts, property taxes (which vary by county in Indiana), proximity to amenities, and future development plans. Use our advanced search tools to filter by price, bedrooms, property type, and location.

Once you find the right home, your agent will help you craft a competitive offer based on comparable sales, market conditions, and the property's condition. In Indiana, purchase agreements typically include contingencies for financing, inspection, and appraisal. Your agent can help you estimate the earnest money deposit for your situation.

A professional home inspection is highly recommended. The inspector will evaluate the home's structure, roof, plumbing, electrical systems, HVAC, and more. In Indiana, the inspection contingency gives you the right to negotiate repairs or walk away if major issues are discovered. Your agent can help you estimate inspection costs for your area.

In Indiana, closing typically takes 30-45 days from accepted offer. You'll receive a Closing Disclosure at least 3 days before closing. At closing, you'll sign the mortgage documents, pay closing costs, and receive the keys. Your agent can help you estimate closing costs for your specific transaction. Indiana uses title companies or attorneys for closing — your agent will coordinate everything.