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Utah Home Buyer's Playbook
David R. Haws

First-Time Homebuyer Guide

Your complete roadmap to buying a home in Utah — from Dr. Haws

The 7 Steps to Buying Your Home
01
Get Financially Ready
Check your credit score, save for a down payment (3–20%), gather financial documents, and avoid new debt. Aim for a 620+ credit score to qualify for most loans.
02
Get Pre-Approved
Work with a trusted lender to get your pre-approval letter. This shows sellers you're serious and tells you exactly how much home you can afford.
03
Find Your Dream Home
Define your must-haves, research neighborhoods, set up MLS alerts at DrHaws.Homes, and attend showings. Dr. Haws will guide you every step of the way.
04
Make a Winning Offer
Review comparable sales, decide on your offer price, include smart contingencies, and let Dr. Haws negotiate the best deal for you.
05
Navigate Under Contract
Pay earnest money, schedule your home inspection, review the report, and handle the appraisal. Dr. Haws protects your interests throughout.
06
Final Loan Approval
Respond quickly to lender requests, review your Closing Disclosure, confirm closing costs (typically 2–5%), and prepare your funds.
07
Closing Day — You're a Homeowner!
Do a final walk-through, sign all documents, and get your keys! Dr. Haws will be right there with you for this life-changing moment.
Why Work With Dr. Haws as Your Buyer's Agent?
🏆
19+ Years Experience
Over $200M in Utah real estate transactions — you're in expert hands.
🔍
Diagnostic Precision
Dr. Haws analyzes every property like a doctor — no surprises, no hidden issues.
💰
FREE to Buyers
As your buyer's agent, Dr. Haws' services cost you nothing — the seller pays.
🤝
Negotiation Master
Dr. Haws fights to get you the best price, terms, and conditions every time.
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Local Expert
Deep knowledge of Farmington, Sugar House, Davis County & all of Northern Utah.
5-Star Rated
Consistently 5-star reviews from hundreds of happy Utah homebuyers.
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Ready to buy your dream home? Let's talk!