How to Buy Your First Home — Steps and Real Costs (All in One Article)
Recently, we realized that despite all this time, we have never systematically covered the complete process and true costs of buying a home in the United States. In this article, I will break down the entire process for you from start to finish. After reading it, you will understand: What steps are involved in buying […]
建议收藏！美国买房流程和费用一次讲清 ！
最近发现，我们这么久以来其实一直没有系统讲过——美国买房的完整流程和真实成本。 今天这篇文章，我会把整个流程从头到尾给你拆开讲清楚。看完之后，你就能知道：买房到底要走哪些环节？每个阶段要准备什么资料？大概要花多少钱？ 💬 第1步｜先想清楚需求（Define Your Needs） 买房这件事，不用急着一上来就跑去看房，第一步应该是把自己的需求理清楚。尤其是如果你有另一半，建议先一起坐下来聊一聊，把彼此的想法对齐，不然后面容易产生分歧。 你可以把需求分成两类： 想清楚这些基本需求后，就可以开始找房产经纪人了。 你可以把整理好的清单发给 2–3 位经纪人，然后和他们各约一次 30 分钟的沟通，听听他们根据你的需求推荐哪些片区，以及他们本人对这些区域的了解和经验。最后，选一位既理解你需求、又熟悉当地市场的经纪人合作就行了。之前我们也出过如何挑选经纪人的视频，有需要可以去看看。 选好经纪人之后，你们就会签署买家服务合同，这个是2024年1月1号之后，department of licencing要求的。 做好这一步，后面买房的其他步骤就会顺利很多。 📃 第2步｜拿到贷款预批准（Pre-Approval） 如果你需要贷款的话，第二步就是先去拿个贷款预批信，主要是确认你能不能贷款，以及大概能贷多少。银行会评估你的财务状况，确定你能借多少钱，利率是多少，以及每月还款额。 在这一阶段，一般银行需要了解你的收入，借债，还有信用情况。当然他们也会问你要放多少首付，还有首付有没有准备好。 审核通过后，你会收到贷款预批信（Pre-Approval Letter），上面注明你的贷款额度、类型、和有效期，一般是60-90天。 如果你在美国没有收入也可以申请贷款，但首付比例和流动资金要求会更高，首付一般是35-40%。 拿到预批信后，你的购房出价对卖家来说会更有说服力。 🏠 第3步｜开始看房（House Hunting） 然后就到了看房这一步。第一件事是让你的经纪人基于你的需求做一份候选清单：在你限定的价格和片区里，筛出几套具有可能适合你的房源，帮你预约好时间，带你去看房。 一般情况下，大多数买家会看15-30套房子才能找到最适合的那一套。 根据我们的经验，一般大家看房顺利的话大概需要1-2个月，不过也有人会看很久，可能一年甚至两年。 我们的建议是：每周安排1-2次看房，每次看3-5套。这样不会因为太密集的看房容易导致”房子疲劳”，记忆混淆。 💰 第4步｜出价（Make an Offer） 当你看到喜欢的房子之后，你的经纪人会帮你搜集房子的信息，分析市场数据，并给出合理的出价建议。 出价时，你需要签署购买协议（Purchase and Sale Agreement）和相关附录（Addendums）。这些文件会明确价格、时间节点和各种保护条款（Contingencies）。 常见的保护条款包括验房条款、贷款条款、估价条款和产权审核条款。这些条款可以在特定情况下保护你的权益。 提交offer时，你还需要附上贷款预批信（Pre-Approval Letter）和首付资金证明。 如果卖家不满意你的出价和条款，他们也会提出新的出价和条款，我们叫counter offer，你可以选择接受、拒绝或再次提出新的条件。 ✍️ 第5步｜进入合同（Mutual Acceptance） 一旦双方把价格和条款都谈妥并签字确认，这一个时间点就叫 Mutual Acceptance。签约日就是「Day 0」， 从这一天开始，合同里的所有时钟都开始计时，包括验房、贷款、估价等关键期限。 第一件要做的事是按合同约定在 1–3 个工作日内把诚意金，Earnest Money，通常为房价的 3%-5%打入 […]
Video: Inside a $9.4M Mercer Island Mansion | Ready for Your Vision💫
🏠5044 Butterworth Rd, Mercer Island, WA 98040
Today we’re touring an absolutely stunning waterfront estate on Mercer Island. Special thanks to Michael for giving us a detailed introduction to everything about this house.❤️
This property already comes with incredible features—like a seaplane-capable dock, an indoor lap pool, and over 94 commercial-grade solar panels. But here’s the best part—it’s still a blank canvas, ready for you to bring your own vision to life!
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
00:00 Intro
00:19 Basic info
01:43 Front Door
04:29 Kitchen
07:13 Lake View Deck
08:50 the Grand Atrium
09:41 Bedrooms
13:30 Basement
17:50 Dock
Video: Dream Lifestyle in Kirkland: New Home + Walk to Lake!!
🏠112 B 2nd St S, Kirkland, WA 98033
Can you really buy a brand new home in downtown Kirkland for just over a million?
Let’s go and check it out!
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
92%+降息概率！房市会被重新点燃吗？
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Video: 92% Fed Rate Cut Odds — Buy Now or Wait?!
The market now believes there’s a 92% chance, the federal reserve will cut
interest rates on 17 Sep. Sounds like good news for the housing market right? Well, maybe not as much as you think…
Let me explain!
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
Video: $2M! Kirkland Totem Lake: Newish home, mountain views.
🏠13122 137th Ln NE, Kirkland
Do you wanna live close to Totem Lake Village in a like-new Pulte resale? Let’s go check it out today!
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
Video: Under $1M! Walk – to – Microsoft Home + Top Schools… Click Before It’s GONE!
🏠15900 NE 40th St #32B, Redmond, WA
Have you ever seen a home where you can walk to Microsoft for work?
Today I’m showing you a beautifully updated townhome just steps from Microsoft—it checks every box!
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
Video: Big Beautiful Bill: 5 Things Homeowners Need to Know!
President Trump signed the Big Beautiful Act. Elon Musk criticized it, saying: “This bill is not for the average American. It just helps the rich get richer.”
Trump responded by saying Musk just wants to avoid taxes. But here’s the truth: This bill isn’t just political drama — it could directly affect you as a homebuyer.
In this video, I’ll explain how this bill affects the housing market — with five key points.
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
Video: This $X Million Mercer Island Home Has It All – Lakefront, Theater, Wine Room!
🏠8055 W Mercer Way,Mercer Island, WA 98040
Just 15 minutes from Seattle and Bellevue, this feels like a world away you have half an acre land, sweeping view of the lake and pure Serenity —— WELCOME TO MERCER ISLAND!!
🌟 Connect with Maggie Sun Real Estate 🌟
For the fastest response, visit our website and fill out the contact form:
🌐 https://maggiesunre.com/contact-us/
📱 Call/Text: 425-615-8293
📧 Email: maggie@maggiesunre.com
💼 Why Choose Us?
🔎 Who is Maggie? https://youtu.be/AJFEdNFRzh8
✅ 8+ Years of Experience in Seattle’s real estate market
✅ 148 Transactions Closed in 2024 ($180M+ sales)
✅ Bilingual Services (English/Mandarin)
✅ 5-Star Ratings on Google & Zillow
📌 Quick Links
🏠 Website: http://maggiesunre.com/
🔍 Zillow Profile: https://www.zillow.com/profile/MaggieSun
📍 Google Maps: https://goo.gl/maps/NvgkqngqvZKG8ZrB6
#seattlerealestate #buyinghome #sellinghomes #housingmarket #realestateinvestment #seattlerealestateagent #realestatetips #realestatenews #bellevuewa #kirkland #redmondwa #sammamish #washington #medina #mercerisland #seattle
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