How to Buy a Home in Connecticut: The 8 Steps
- Get pre-approved. A lender verifies income, assets and credit and issues a pre-approval letter. In Stamford's market an offer without one is rarely taken seriously.
Sign a buyer representation agreement. Connecticut requires this in writing before showings. It sets out what I do and how I'm paid.
- Search and tour. We narrow neighborhoods first, then properties. I preview before showings so your time goes to real contenders.
- Make an offer. Price, contingencies, deposit and proposed closing date. In competitive situations, terms often matter more than price.
- Attorney review and contract. This is the Connecticut-specific step. Your real estate attorney reviews and finalizes the purchase contract, and the deposit goes into escrow.
- Inspection. Typically 7–10 days. General inspection plus radon and, in older North Stamford homes, well and septic. Repairs or credits get negotiated here.
- Appraisal and mortgage commitment. Your lender appraises the property and issues the final commitment. This is usually the longest wait.
- Closing. Sign, pay closing costs and conveyance items, and take the keys. Expect 30 to 40 days from accepted offer to closing.


