Buying a home

How I help you buy a home in the Ann Arbor area

How I help you buy a home in the Ann Arbor area: pre-approval first, a clear view of the market, homes chosen together, and a steady plan from offer to keys.

Nancy Arnold in a black suit, standing by a kitchen window with a coffee mug

Who you'll work with

I help you learn the area before you choose a home

I'm Nancy Arnold, a REALTOR® with The Charles Reinhart Company. I've lived in Washtenaw County since 1997, including 14 years in Dexter.

For buyers moving here from out of state, that means I can tell you what a street is really like on a weekday morning, not just what the listing says.

More about me →

The short version

Buying a home is a big decision, and it comes with a lot of steps you may never have seen before. My job is to make sure you understand each one before you get there, so you can make your decision with confidence instead of guesswork.

I help every buyer through the same four steps, in the same order. Ready is the groundwork: getting to know your situation, getting pre-approved, and setting up your search. Educated is learning the market, so you know what your budget buys and how quickly homes move. Aligned is choosing which homes are worth seeing, together. Locked is the offer, the inspection, and everything up to the moment you get your keys.

The steps build on each other. A buyer who is ready and knows the market can act quickly and calmly when the right home appears. That's the goal of this whole plan.

If you're moving from another state, start with how I help with relocating to Ann Arbor. If this is your first home, see my page for first-time buyers.

Ready: the groundwork comes before the first showing

Every buyer I work with starts with a conversation. If you live in the area, we meet in my office. If you're moving from out of state, we talk by phone or on Zoom. Either way, I want to understand your situation before we talk about houses: why you're moving, when you need to be in a home, what matters most to you, and what worries you about the process.

The next step is a conversation with a lender and a pre-approval. A pre-approval tells you what you can borrow, and it tells a seller you're a serious buyer. It also shows you something even more useful: the monthly payment you're comfortable with. If you don't have a lender yet, I can introduce you to lenders I trust.

While you work with your lender, I set you up on a home search. New listings that match what you want come straight to you, so you start seeing the market right away, even before you're ready to tour.

There is one more step first. Before we tour homes together, we sign a written buyer agreement. I'll walk you through it first so nothing in it surprises you.

When all of that is done, you're ready. The right house can come on the market any day, and you'll be in a position to act on it.

How I help you buy a home in the Ann Arbor area

Educated: know the market before you fall for a house

Buyers often tell me, "I don't even know what a fair price is here." That's the question this step answers, and the answer comes from the market itself.

I start by showing you recent sales in the areas you like. You see what homes actually sold for, not just what sellers are asking. That gives you a realistic sense of what your budget buys in each town and neighborhood.

Then I ask you to watch your home search for a while. Watch what comes on the market at your price. Watch how quickly homes go under contract in the areas you're considering. Over time, you'll get a feel for the market that no website can give you. You'll recognize a well-priced home when you see one, and you'll know when one is likely to move fast.

Learning the market is also an ongoing conversation between us. It starts the first time we talk, and it continues through your whole search. When something changes, like a run of quick sales in one neighborhood or a home that sits longer than expected, I'll tell you what I think it means.

For relocating buyers, this step also covers the area itself: which towns are close to campus, how long the drive is from Dexter or Saline, and what daily life is like in each place. Read more about learning the Ann Arbor area before you move.

Aligned: choosing which homes are worth your time

Looking at every house on the market wastes your time and makes the good ones harder to spot. Buyers who see eight houses in a day often tell me they all blur together. The better approach is to see fewer homes, chosen with care.

Most of the time, we narrow the list together. We look at the homes that match your search, talk through what each one offers, and decide which ones are worth seeing in person.

Sometimes you'll find a home on your own, and that's welcome. Send it to me. I'll get answers to your questions about it, so you can decide whether it belongs on your list. Then we decide together whether to see it.

When we tour a home, I tell you what I see: the condition, the layout, the street, and anything that concerns me. If you can't be here, I walk through homes with you on a FaceTime video call, room by room, and you can ask questions as we go.

Every buyer has a different idea of the right home. My job is to keep your search focused on yours. See more about buying a home in the Ann Arbor area.

Locked: from your offer to your keys

When you find the right home, we decide on your offer together. I start by pulling the recent sales of similar homes nearby, so you can see what the home is worth. Then I call the listing agent to find out how much competition there is and what matters most to the seller. Price matters, but so do the other terms, like the closing date. What I learn on that call helps us shape every part of your offer, not just the number.

Once your offer is accepted, things move quickly. We talk about the inspection. If you have an inspector you like, we use them. If not, I can share inspectors I trust. At the same time, we send all of the paperwork to your lender so the loan process can start, and I tell you exactly what I'll need from you up front.

I'll also prepare you for the first few days. They can feel busy and a little hectic, because your lender and I will both be asking you for documents. That pace slows down after the first few days.

Next comes the inspection. Before it happens, I explain what matters most: safety, structural issues, and foundation issues. Every home has a list of small items, and the inspection report will usually include some. We focus on the major concerns and decide together how to handle anything significant that comes up.

As closing gets closer, we talk about where the closing will happen and how your earnest money is applied to your closing costs on closing day. You hear the next step from me before you need to ask.

On closing day, I like to do the final walkthrough right before closing and then go straight to the closing. That way, you've seen the house just before you sign, and you know nothing major has happened to it. In my experience, that's what makes buyers most comfortable.

If you're buying in Ann Arbor or anywhere nearby, call me or send a note. We'll start with your situation, and you can decide from there. If you also have a home to sell, see how I help with trading up and read how I sell a home. Make it a great home selling and buying day.

This page describes my general process. It is not legal, tax, or lending advice.

Frequently Asked Questions

Do I need to be pre-approved before we look at homes?

Yes. Talking to a lender and getting pre-approved comes first, so you know what you can spend and you're ready to make an offer when the right home appears. I can set up your home search at the same time.

Do I sign paperwork before you show me a home?

Yes. Before we tour homes together, we sign a written buyer agreement. I'll walk you through it first so nothing in it surprises you.

Can I use my own home inspector?

Yes. If you have an inspector you like, we use them. If not, I can share inspectors I trust.

When is the final walkthrough?

I like to do it right before closing and then go straight to the closing. You see the house just before you sign, so you know nothing major has changed.