Why Use a Professional REALTOR®?

Buying a home is an exciting adventure, whether you’re looking for a vacation retreat, ready for a bigger—or smaller—space, moving to a new city or town, or investing in a residential property.

Having a professional REALTOR® on your side means you have an expert managing the details. Your REALTOR® will negotiate price, repairs, and other agreements; provide market insights and an objective perspective; and take on the extensive paperwork involved in any home purchase.

Your home is one of the largest financial investments you make during your lifetime. When you work with a REALTOR®, you have a professional on your side, representing your best interests. At White Diamond, our REALTORS® are true gems: passionate, experienced, and laser-focused on your needs.

Find Your Perfect Home

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Buyer’s Guide

Buying a home is a milestone, whether it’s your first venture, a move up, the perfect vacation home, or an investment property. Every purchase comes with a set of emotional and pragmatic decisions to make. We provide buyers with resources to best navigate the process and make it as seamless as possible.

Ready to start shopping the smart way?

Just fill out the form below to download the complete White Diamond Realty buyer’s guide.

Mortgage and Lending

Your first step in buying a home is setting a budget, and the very next step is finding a lender.
We have established relationships with trusted lenders serving all five counties we cover.


To start setting a budget that works for your finances, estimate your monthly payments with this easy, helpful calculator.

Local Lenders

To find the lender that’s right for you, consult with your agent or see this list from the Morgantown Board of Realtors.

Appraisal & Inspections

We highly recommend protecting your investment by hiring an inspection professional before you agree to a purchase. Inspections are conducted at the expense of the buyer early in the process. Your White Diamond agent can recommend skilled local inspectors who will assess the condition of the home and make recommendations to ensure your safety and long-term security.

Common Inspections

The following are the most common inspections conducted before a home is purchased. Other tests and inspections can be performed as well, such as for mold and lead-based paint. Work with your agent to request the inspections that will address all your concerns.

A comprehensive inspection of the entire home and its working components. The inspector will note items of major concern as well as those that should be monitored in the future. The cost for a home inspection varies based on property size and is typically paid before or at the time of inspection.

A naturally occurring gas that emits from the earth, radon can penetrate the foundation of a home. It is found throughout the U.S., although more prominently in some areas than others. While radon is a health concern—and it is important to know if levels in a home exceeed EPA guidelines—it is also easily mitigated. Most home inspectors can perform a radon test, which is paid before or at the time of inspection. For more information, visit epa.gov/radon.

Required by some loan programs. Checks for live termites, carpenter bees, carpenter ants, fungus, etc. This type of inspection can be paid at closing. If the buyer is obtaining a VA loan, the seller is required to cover the cost.

For homes not on a city water and/or sewer line. Septic systems and drainage fields are tested to ensure proper functionaltiy. Well water samples are sent to a lab for evaluation of potability. Samples are taken by a professional because specific guidelines must be followed. Variations can result in a voided sample and cause delays in the closing process.


The appraisal will be ordered by the lender as soon as your official loan application has been submitted. Typical turn-around time in our area is two to three weeks.

It is important to provide your lender with all documentation required as quickly as possible to complete your application. This will help them schedule the appraisal to avoid delays.

The appraisal fee will vary, so consult with your lender about estimated cost and when payment is required. Once the report is returned, the lender will review it and share it with you and the seller. Your agent will then help you negotiate conditions to be addressed prior to scheduling your closing.

To find inspectors in your new hometown, see this list from the Morgantown Board of Realtors.

Community Resources

Whether you’re moving to a new city or within your home region, you’ll benefit from having easy access to local entities for helpful and essential services.

To find resources in your new hometown, see this list from the Morgantown Board of Realtors.

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