Buying a home should feel exciting—not overwhelming. Whether you’re purchasing your first home, relocating to Baltimore, moving to a larger home, or looking for a waterfront property, Adam Nemeroff will guide you through every step of the process.
A clear plan makes it easier to make confident decisions. Here is the typical path, the questions to ask, and the milestones to expect.
We’ll start with a conversation about what you’re looking for, what matters most to you, and how quickly you want to move.
Before seriously shopping, speak with a reputable lender so you understand your estimated monthly payment, down payment, closing costs, loan options, interest rate, property taxes, and insurance.
Adam will create a customized search based on your criteria, including new listings, price changes, coming-soon opportunities when available, neighborhood recommendations, and property comparisons.
Start My Home Search →Adam helps you evaluate more than appearance: condition, renovation quality, resale potential, location, parking, taxes, HOA or condo fees, layout, neighborhood, and comparable sales.
Adam will review comparable sales and current market conditions to help you structure a competitive offer without losing sight of your financial goals.
Once buyer and seller agree to all terms, the property is under contract. This begins the inspection, financing, appraisal, title, and settlement process.
UNDER CONTRACT 🎉Inspection rights and any negotiations depend on the terms of the contract. Common inspections may include a general inspection, termite or pest inspection, radon testing, sewer-line inspection, structural review, or focused electrical, plumbing, and HVAC evaluations.
Your lender processes the loan, orders the appraisal, verifies documents, and works toward final approval. Be ready to quickly provide income documents, bank statements, insurance details, and updated financial information.
The title or settlement company reviews ownership and title matters and prepares for closing, including title insurance, the settlement statement, homeowner’s insurance, final loan approval, and funds needed for closing.
You and Adam revisit the property to confirm its condition and that agreed-upon items remain with the property.
You sign the final documents, funds are transferred, and ownership officially changes hands.
WELCOME HOME 🔑
Day 1
1–3 days
Days to months
1 day
1–3 days
Approximately 5–10 days*
Approximately 2–4 weeks
24–48 hours before closing
Often 30–45 days after contract
Requirements vary by loan program. Your lender can explain the options that fit your finances.
Money submitted according to the contract and typically credited toward your settlement costs or purchase.
Buyers typically pay inspection companies directly for the services they choose.
A lender may require an appraisal and may collect that fee before closing.
These may include lender fees, title and settlement charges, prepaid taxes, insurance, recording charges, and other transaction costs.
Keep reserves for moving, repairs, furniture, and unexpected expenses after settlement.
You don’t need to know everything before you begin. Adam will walk you through financing, neighborhoods, touring homes, writing an offer, inspections, negotiations, and settlement so you understand what is happening at every stage.
Visit the First-Time Homebuyer Guide
Compare home styles, ownership costs, parking, waterfront access, commute, amenities, and the block-level details that shape value.
CantonView neighborhood guide →
Fells PointView neighborhood guide →
Locust PointView neighborhood guide →
Brewers HillAsk Adam about this areaThe search can take days or months. Once a financed purchase is under contract, settlement often occurs in roughly 30–45 days, but every contract and loan is different.
It depends on the loan program, down payment, property, inspection choices, lender fees, and settlement costs. Ask your lender for a personalized Loan Estimate.
Yes. A current pre-approval helps you understand your budget and is commonly needed when submitting an offer.
The right offer depends on comparable sales, property condition, competition, your financing, and your goals. Adam will help you evaluate those factors before you decide.
The contract deadlines begin. Inspection, financing, appraisal, title work, insurance, and settlement preparation usually move forward at the same time.
Inspection choices are yours and depend on the property and contract. Adam can explain common options and help you understand the relevant deadlines.
Your options depend on the contract’s inspection terms. Depending on those terms, you may be able to request repairs or credits, accept the condition, or use another contractual option. No result is guaranteed.
The options depend on the appraisal language, financing terms, and contract. Adam and your lender will review the result and discuss the paths available under your agreement.
Many financed purchases take approximately two to four weeks from contract to final approval, but documentation, appraisal, loan type, and underwriting can affect timing.
Keys are generally delivered after settlement requirements are complete and ownership has transferred, subject to the contract and settlement arrangements.
Yes. Adam helps buyers compare housing, ownership costs, parking, commute, amenities, recent sales, and block-level differences across Baltimore City and surrounding areas.
Yes. Adam explains each stage—from financing and touring through offers, inspections, title, settlement, and the first questions after closing.
Whether you already know exactly where you want to live or you’re just beginning to explore your options, let’s talk about your goals and create a plan.
Adam Nemeroff, REALTOR® · Northrop Realty443.832.3043AdamNemeroff@NorthropRealty.com