For First-Time Buyers
First-Time Homebuyers
Buying your first home is mostly about understanding the numbers. Here’s the process, without the jargon.
Step by Step
From Zero to Keys
Check Your Credit
A few months before you buy, look at your credit report. Small corrections can change your interest rate.
Build a Real Budget
Not just the mortgage. Taxes, insurance, HOA, utilities, and maintenance add up faster than most first-time buyers expect.
Get Pre-Approved
A lender verifies what you can borrow. That’s a different number from what you should comfortably spend.
Make a Wish List
Separate must-haves from nice-to-haves. It turns an endless search into a short one.
Tour Homes
We look at real houses, and I point out what’s likely to cost you money in the first few years.
Make an Offer
Price, terms, and contingencies — each explained in plain language before you sign anything.
Inspect and Close
Inspection, appraisal, final approval, and signing. I keep you ahead of every deadline.
Money Questions
What First-Time Buyers Ask Me
How Much Do I Need Down?
It depends on the loan program. Some start well under 20% — but there are trade-offs in monthly cost we’ll compare side by side.
What Are Closing Costs?
Usually a few percent of the purchase price. You’ll get a written estimate early, not at the last minute.
Do I Need Perfect Credit?
No. Many programs work with moderate credit. Your lender will tell you exactly where you stand.
What If I Change Jobs?
Tell your lender immediately. Most changes are fine, but some will delay closing if they surface late.
Next Step
Buying Your First Home?
Let’s start with a conversation about your budget and your timeline. No pressure, and no obligation to work with me afterward.