Stage 16 of 18 · 5. Find your lender & make the offer

Checklist for this stage

Making an offer that gets taken seriously

Once you're pre-approved and you've found the home, your agent helps you write the offer. A few pieces decide how strong it looks:

Price — what you're offering, informed by what comparable homes actually sold for.

Earnest money — a good-faith deposit that shows you're serious. It's credited toward your costs at closing, not lost.

Contingencies — your safety exits: financing, inspection, and appraisal clauses that let you walk without losing your deposit if something goes wrong.

The pre-approval letter — attached to the offer, it tells the seller your financing is real.

A clean, well-supported offer often beats a slightly higher one that looks shaky. Your agent's job is to package it well — your job is to understand what you're signing.

Next: KevaAI connects you with a partner agent who writes and submits the offer with you.

Your next step on KevaAI

When your numbers are ready, KevaAI connects you with one lender suited to your situation — not ten cold calls.

Get matched with a lender

This guide is for informational purposes only and is not financial, legal, or tax advice. Programs, figures, and eligibility change — consult a licensed professional before making decisions about your home purchase.

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