First-Time Buyer? Here’s What No One Tells You
Buying your first home is exciting but let’s be honest, it can also be overwhelming. Most people focus on saving for a down payment, but that’s just one piece of the puzzle. Here are a few things I wish more first-time buyers knew:
Your credit matters, but it’s not everything. Lenders look at income, debt, job history, and more.
You don’t need 20% down. Many buyers get in with 3% to 5% down depending on the loan.
There are more costs than just the mortgage. Think taxes, insurance, maintenance, and closing costs.
You should get pre-approved before looking at homes. This shows sellers you're serious and ready to act.
You don’t have to do it alone. As your agent, I walk you through every step and protect your best interests.
Also, don’t let the news scare you. Yes, rates are different than they were a few years ago, but buyers are still buying. There are still grant programs, special loans for first-timers, and creative strategies to help you get in without feeling overwhelmed.
When we work together, I make sure you know what to expect before each step so there’s less stress and no surprises. You deserve a smooth and confident start.
If you're thinking about buying your first place, reach out. I’ll help you make a smart move without feeling rushed or confused.