Whether you’re relocating for work, seeking a vacation home, or looking for an investment property, navigating an out-of-state purchase requires careful planning.

Here are the basic steps to making the process as smooth as possible.

Research your target location(s)

Before you start browsing listings, take time to research your new state and city—or even several options if you aren’t limited by location. Look into factors such as:

• Cost of living: Compare housing prices, property taxes, and everyday expenses.
• Neighborhoods: Identify areas that match your lifestyle, such as a bustling city or a quiet suburb.
• Schools and amenities: If you have children, school ratings may be a priority. Also consider proximity to parks, shopping, and health care.
• Job market and economy: Unless you’re moving for a specific job or plan to stay in your current remote role, research employment opportunities and industry growth.

Find a local real estate agent

A knowledgeable real estate agent in your chosen destination is essential. They can provide insights into the local market, recommend desirable neighborhoods, and guide you through the legal and logistical aspects of buying in that specific state. Look for someone with experience working with out-of-state buyers, and don’t be afraid to interview multiple people—given that you’ll be limited in how much you can participate in person, you need someone you can rely on.

Get preapproved for a mortgage

If you’re financing your purchase, get preapproved for a mortgage before you start house hunting. Knowing how much you may be able to borrow will help solidify your budget, and having a preapproval letter will strengthen your offer and show sellers that you’re serious. Some lenders operate in multiple regions, but you may need to find one local to your target state; your real estate agent can help connect you with a trusted option.

Take advantage of virtual tours

Since frequent travel might not be possible, use virtual tours and video calls to explore properties. Many real estate agents offer live walkthroughs, allowing you to ask questions in real time.

Plan a visit 

While virtual tours are helpful, visiting the area allows you to experience the community, traffic patterns, and overall feel of the neighborhood. If you can, schedule at least one trip to tour homes, meet with your agent, and explore the surroundings.

Understand local real estate laws

Each state has different laws regarding real estate transactions, property taxes, and closing costs. Your agent and lender can help you navigate any legal requirements, including state-specific disclosures and inspection rules.

Hire a reliable home inspector

A thorough home inspection is always important to catch hidden issues, but it’s even more critical when buying remotely since you may have only seen the property once in person—or even not at all. Hire a trusted expert who can provide detailed reports and photos to ensure that you’re making an informed decision. You can also ask your agent to attend in your place and ask relevant questions in real time.

Close on the home

Once the inspection is done and you’re satisfied with the results, you can move forward with the closing process. If needed, you can set up a remote closing; many states allow online notaries, and all have mobile ones who will come to you. That said, an in-person closing might be ideal to help prevent wire and escrow fraud. Your agent can help you determine and set up the best course.

Plan your move

Now that the sale is finalized, all that remains is the move itself. Research moving companies with experience in long-distance relocations, and consider temporary housing if your move-in dates don’t align perfectly. Then get to packing!

Buying a home in another state may seem overwhelming, but with the right preparation and local support, it can be a seamless process. By researching thoroughly, working with experienced professionals, and leveraging technology, you can find the perfect place—no matter the distance.