How to Buy a Home When You’re Out of State

Buying a home is always a major decision—but doing it from another state can feel even more complex. Whether you're relocating for work, moving closer to family, or seeking a lifestyle change, purchasing a home remotely is entirely possible with the right planning and support.

Here’s a step-by-step guide to help you buy a home out of state with confidence.

1. Hire a Local Realtor You Trust

Your first and most important step is finding a knowledgeable, full-time agent in your destination city. Look for someone with relocation experience who can serve as your eyes and ears on the ground.

What to look for in a long-distance agent:

• Strong knowledge of the local market and neighborhoods

• Willingness to do video tours and virtual showings

• Clear, frequent communication

• Experience working with out-of-state buyers

Tip: Ask for client references or reviews from other relocation buyers.

2. Define Your Priorities Early

Buying sight unseen means you need to be clear on what matters most. Create a list of needs vs. wants so your agent can narrow your search and send relevant properties.

Considerations may include:

• Commute time to work

• School districts

• Walkability or proximity to shops/restaurants

• Yard size, garage, or HOA preferences

• Style of home and layout (e.g., one-story vs. two-story)

3. Get Pre-Approved for a Mortgage

Before house hunting, get pre-approved with a lender who is licensed in the state you’re buying in. This strengthens your offer and gives you a realistic budget.

Documents you may need:

• Income verification (W-2s, pay stubs, tax returns)

• Bank statements

• Proof of assets or savings

• Credit history

Tip: Many lenders offer fully digital pre-approvals, so you can complete everything online from your current location.

4. Use Virtual Tours and Video Walkthroughs

Most agents now offer real-time video showings via Zoom, FaceTime, or recorded walkthroughs. You’ll get a close look at the property’s layout, condition, and surroundings.

Ask your agent to show:

• Street view and neighborhood surroundings

• Interior details like cabinet space, flooring, and lighting

• Exterior elements like roof, yard, fencing, and driveway

• Any visible signs of damage or wear

5. Make an Offer Remotely (with Confidence)

Once you find the right home, your agent can draft and submit the offer on your behalf. Nearly all real estate documents can be signed electronically using secure platforms like DocuSign.

What your agent will help with:

• Reviewing comps and advising on offer strategy

• Structuring contingencies (inspection, financing, appraisal)

• Handling counter-offers and timelines

6. Schedule a Home Inspection (And Be Present Virtually)

Don’t skip this step. Hire a reputable inspector and ask for a detailed report with photos. If you can’t attend in person, ask your agent or inspector to walk you through it virtually.

Tip: A good inspection can help you negotiate repairs or credits—or back out of the deal if necessary.

7. Close Remotely with a Local Title Company

Many buyers now close from afar using remote online notarization (RON) or mobile notary services. Your closing documents can be mailed or emailed, depending on your state’s regulations.

Checklist for a remote closing:

• Review closing disclosures and final numbers

• Wire funds securely—never trust wiring instructions sent via email without verifying

• Ensure ID verification and signatures are handled in time

8. Plan for Moving & Transition

Once your purchase is complete, plan for a smooth transition.

Helpful tips:

• Schedule utilities to be turned on before arrival

• Hire a moving company experienced in long-distance relocation

• Make a checklist for address changes and school enrollment (if applicable)

Final Thoughts

Buying a home out of state may feel overwhelming, but with the right agent, technology, and planning, it’s more manageable than ever. Clear communication and a step-by-step plan will keep your purchase on track—without needing to be physically present at every stage.

If you’re planning to relocate and want guidance through the process, I’d be happy to assist from start to finish. Let’s talk about your goals, timeline, and how we can make your move as smooth as possible.