Stage 16 of 18 · 5. Find your lender & make the offer
Checklist for this stageMaking 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