Montel Wiggins

Rochester, NY · Residential Real Estate

Your free guide to
buying a home in Rochester

From credit check to closing day — a clear, step-by-step roadmap so you know exactly what to expect.

Free · No obligation · Personalized guidance included

The 8-step homebuyer roadmap

Most buyers don't know what they don't know. Here's the full picture, start to finish.

1

Foundation

Check your credit & finances

Pull your credit report, review your score, and understand what lenders will see. Most programs require a 620+ score, but the better your score, the better your rate.

Free credit checkDebt-to-income ratioSavings review
2

Financing

Get pre-approved for a mortgage

Pre-approval tells you your real budget and shows sellers you're serious. In Rochester's competitive market, sellers often won't consider offers without it.

ConventionalFHAFirst-time buyer programs
3

Partnership

Choose the right agent

Your buyer's agent represents you — not the seller. I guide you through every step, negotiate on your behalf, and my services are free to buyers.

No cost to buyersLocal market expertiseYour advocate
4

Search

Define your must-haves & tour homes

We'll narrow your list to neighborhoods, size, and style. Rochester has incredible variety — from Park Ave Victorian to new construction in Penfield and beyond.

Neighborhood matchPrivate showingsMLS alerts
5

Offer

Make a competitive offer

I'll pull comps and craft an offer strategy based on current market conditions. In a multiple-offer situation, every detail counts — price, terms, and timing all matter.

Comparable salesOffer strategyNegotiation
6

Due Diligence

Inspection & appraisal

A home inspection protects your investment. I'll recommend trusted local inspectors and walk through the report with you so you know exactly what you're buying.

Home inspectionAppraisalRepair negotiation
7

Final Steps

Clear to close

Your lender will finalize the loan, title is reviewed, and we'll do a final walk-through. You'll receive a closing disclosure 3 days before closing with all final numbers.

Title searchFinal walk-throughClosing disclosure
8

Closing Day

Get your keys

You'll sign documents, funds are wired, and the home is officially yours. Most Rochester closings take 1–2 hours. Then — the fun part — you get the keys.

Sign & fundTitle transferKeys in hand 🏡

Get your free roadmap

Ready to start your
homebuying journey?

Fill out your info below and I'll send your personalized homebuyer guide — plus reach out to answer any questions, no pressure.

Your information is private and will never be shared or sold.

You're all set!

I'll be in touch soon with your personalized homebuyer guide and next steps. Talk soon!