# Buying your first home: the whole journey

> A process map exported from forks.world (https://forks.world). Author: Brian. Source: https://forks.world/p/cmv21ybl10025if065rzsl5qu
> It describes who does what, in what order, and with which technology. Read the plain-language sections first; the JSON at the end is the exact, complete data.

## Summary

- 8 steps across 1 layer
- Persona: You, Bank, Tax office, Seller

## How to read this file

- A process is made of **layers**. The main layer is the top level; any step of kind `subprocess` opens a detail layer with its own lanes and steps.
- **Lanes** are either persona (people/roles) or technology (systems). Each step belongs to one lane; `using` lists tools a person uses for that step.
- Step kinds: `start`, `task`, `decision` (its arrows carry the answer as a label), `subprocess`, `end`.

## Buying your first home: the whole journey

Lanes:
- You: person / role (id `you`)
- Bank: person / role (id `bank`)
- Tax office: person / role (id `gov`)
- Seller: person / role (id `seller`)

Steps, in the order they run:

1. **Decide you are ready to buy** [start; You; id `h1`]
   - then Build your credit and save a down payment
2. **Build your credit and save a down payment** [subprocess; You; id `h2`], links to the published process "How your credit score is built and what moves it" (https://forks.world/p/cmv21y3f50002if06wk74w3tv; full text at https://forks.world/api/public/cmv21y3f50002if06wk74w3tv/export)
   - then Can you afford the monthly cost?
3. **Can you afford the monthly cost?** [decision; You; id `h3`]
   - if "Yes" go to Get a mortgage and close on the house; if "No" go to Build your credit and save a down payment
4. **Get a mortgage and close on the house** [subprocess; Bank; id `h4`], links to the published process "How a mortgage works, from application to the last payment" (https://forks.world/p/cmv21nv6x002kl2064cfeqqcp; full text at https://forks.world/api/public/cmv21nv6x002kl2064cfeqqcp/export)
   - then Hand over the keys
5. **Hand over the keys** [task; Seller; id `h5`]
   - then Move in and set up your bills
6. **Move in and set up your bills** [task; You; id `h6`]
   - then Claim the mortgage interest and property tax deductions
7. **Claim the mortgage interest and property tax deductions** [subprocess; Tax office; id `h7`], links to the published process "How filing your US income taxes works" (https://forks.world/p/cmv21y3zt0007if065llzeu36; full text at https://forks.world/api/public/cmv21y3zt0007if065llzeu36/export)
   - then Own a home and build equity
8. **Own a home and build equity** [end; You; id `h8`]

```mermaid
flowchart LR
  subgraph l_you["You"]
    n_h1(["Decide you are ready to buy"])
    n_h2[["Build your credit and save a down payment"]]
    n_h3{"Can you afford the monthly cost?"}
    n_h6["Move in and set up your bills"]
    n_h8(["Own a home and build equity"])
  end
  subgraph l_bank["Bank"]
    n_h4[["Get a mortgage and close on the house"]]
  end
  subgraph l_gov["Tax office"]
    n_h7[["Claim the mortgage interest and property tax deductions"]]
  end
  subgraph l_seller["Seller"]
    n_h5["Hand over the keys"]
  end
  n_h1 --> n_h2
  n_h2 --> n_h3
  n_h3 -->|"Yes"| n_h4
  n_h3 -->|"No"| n_h2
  n_h4 --> n_h5
  n_h5 --> n_h6
  n_h6 --> n_h7
  n_h7 --> n_h8
```

## Full data (JSON)

```json
{
  "title": "Buying your first home: the whole journey",
  "maps": {
    "m_root": {
      "id": "m_root",
      "lanes": [
        {
          "id": "you",
          "name": "You",
          "type": "person"
        },
        {
          "id": "bank",
          "name": "Bank",
          "type": "person"
        },
        {
          "id": "gov",
          "name": "Tax office",
          "type": "person"
        },
        {
          "id": "seller",
          "name": "Seller",
          "type": "person"
        }
      ],
      "steps": [
        {
          "id": "h1",
          "kind": "start",
          "lane": "you",
          "next": [
            {
              "to": "h2"
            }
          ],
          "uses": [],
          "label": "Decide you are ready to buy"
        },
        {
          "id": "h2",
          "kind": "subprocess",
          "lane": "you",
          "link": {
            "id": "cmv21y3f50002if06wk74w3tv",
            "scope": "public",
            "title": "How your credit score is built and what moves it"
          },
          "next": [
            {
              "to": "h3"
            }
          ],
          "uses": [],
          "label": "Build your credit and save a down payment"
        },
        {
          "id": "h3",
          "kind": "decision",
          "lane": "you",
          "next": [
            {
              "to": "h4",
              "label": "Yes"
            },
            {
              "to": "h2",
              "label": "No"
            }
          ],
          "uses": [],
          "label": "Can you afford the monthly cost?"
        },
        {
          "id": "h4",
          "kind": "subprocess",
          "lane": "bank",
          "link": {
            "id": "cmv21nv6x002kl2064cfeqqcp",
            "scope": "public",
            "title": "How a mortgage works, from application to the last payment"
          },
          "next": [
            {
              "to": "h5"
            }
          ],
          "uses": [],
          "label": "Get a mortgage and close on the house"
        },
        {
          "id": "h5",
          "kind": "task",
          "lane": "seller",
          "next": [
            {
              "to": "h6"
            }
          ],
          "uses": [],
          "label": "Hand over the keys"
        },
        {
          "id": "h6",
          "kind": "task",
          "lane": "you",
          "next": [
            {
              "to": "h7"
            }
          ],
          "uses": [],
          "label": "Move in and set up your bills"
        },
        {
          "id": "h7",
          "kind": "subprocess",
          "lane": "gov",
          "link": {
            "id": "cmv21y3zt0007if065llzeu36",
            "scope": "public",
            "title": "How filing your US income taxes works"
          },
          "next": [
            {
              "to": "h8"
            }
          ],
          "uses": [],
          "label": "Claim the mortgage interest and property tax deductions"
        },
        {
          "id": "h8",
          "kind": "end",
          "lane": "you",
          "next": [],
          "uses": [],
          "label": "Own a home and build equity"
        }
      ],
      "title": "Buying your first home: the whole journey",
      "parent": null
    }
  }
}
```