Once you have found the home you want, an offer is made by writing a contract. At this time, your Realtor will give you an estimate of all buyer's expenses. The banker will give you a good faith estimate for all of the loan expenses.
The sellers can counter your offer with another and then you have the option to do the same. When all parties agree, the buyer must give the Realtor the earnest money (usually 1% of purchase price) to be deposited in the escrow account. You will have 10 days to have inspections done to the property.