1. Pre-Approval

• Connect with lender  (have 5 referrals)

• Get budget & loan options
   

2. Home Search

• View listings

• Attend showings & open houses
   

3. Contract Accepted (Day 0)

• Buyer deposits Earnest Money (within 1–3 days of acceptance)
   

4. Inspection & Due Diligence

• 10-Day Inspection Period (ARS §33-1324, AAR contract)

• I have 5 referrals for inspectors, can use your own
   

5. Appraisal & Loan

• Lender orders appraisal (usually within 10–17 days)

• Loan approval (typically within 20 days)

• I have 5 referrals for loan officers, 3 appraisers, you are always free to use your own
   

6. Title & HOA Disclosure Review

• 5 days to review Title Commitment

• 10 days to review HOA disclosures (if applicable)

• Have 4 referrals for Title Companies
   

7. Closing Preparation

• Buyer receives Closing Disclosure (federal law: 3 days before closing)

• Final walkthrough (within 3 days before closing)
   

8. Closing Day

• Typically 30–45 days after contract acceptance

• Buyer signs documents, lender funds loan, deed recorded

• Keys delivered 🎉
  
   

Key Legal Notes (AZ):

• 10-Day Inspection Period is critical (most cancellations happen here)

• Earnest Money Deadline is enforceable—missing it may breach contract

• HOA & Title Review Deadlines give cancellation rights if unsatisfactory

• Closing Disclosure (CD) federally requires a 3-day review period