The buying process

Five steps from pre-approval to keys.

01

Pre-Approval

Get a lender letter before you fall in love. It tells you what you can actually spend — and signals to sellers that you're serious.

02

Search

Tour homes, compare neighborhoods, and refine your must-haves. Your agent sets up alerts the moment something fits.

03

Offer

Price, terms, and contingencies. We help you compete without overpaying — and know when to walk away.

04

Inspection

A licensed inspector checks the home top to bottom. We negotiate repairs or credits based on what they find.

05

Closing

Final walkthrough, sign the documents, and get the keys. We coordinate every party and every deadline.

What can you afford

Know your number before you search.

$500,000
$100K$2M
20% · $100,000

Estimated monthly payment

$2,528/mo

Loan amount$400,000
Down payment$100,000
Total interest paid$510,178

Principal & interest only. Property taxes, insurance, and HOA are not included. This is an estimate, not a commitment — talk to a lender for exact figures.

GET PRE-APPROVED

Lender partners

Trusted lenders we work with.

Lesser Lending

Lesser Lending

Lesser Lending logo

Lesser Lending is a Spokane-based mortgage team led by Dave Lesser, helping homebuyers navigate financing with a straightforward, hands-on approach. Our process starts with understanding your goals. From there, we take the time to walk through your credit, income, available cash, monthly payment, and loan options so you know exactly where you stand before you start making offers. We work closely with you and your real estate agent throughout the entire process, from the initial pre-approval through closing. Our team handles Conventional, FHA, VA, USDA, down payment assistance, jumbo, manufactured home, construction, and a variety of other financing options. Whether you’re buying your first home or you’ve been through the process before, our goal is simple: make the financing side easier to understand, keep you informed, and help you put together the right plan for your purchase.

Canopy Mortgage

Canopy Mortgage

Canopy Mortgage logo