First-Time Buyer? Here’s What No One Tells You
Buying your first home can be exciting but also confusing. This guide breaks down what most buyers wish they knew before they started.
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.
Why Your Pre-Approval Letter Matters More Than You Think
Ready to buy a home? Getting pre-approved can give you a major edge in a competitive market, here’s why it matters.
You find the perfect home. You picture your furniture in the living room. You write an offer and then lose it to another buyer who had a pre-approval letter in hand.
This happens more than you think. Pre-approval isn’t just about knowing your price range. It tells sellers you’re financially ready and serious. Here’s why it matters:
It strengthens your offer
It speeds up the closing process
It helps you avoid disappointment by shopping within your means
Without it, some sellers won’t even consider your offer. Especially in competitive areas like Queens or Brooklyn, a buyer with a strong pre-approval letter will always have the edge.
Getting pre-approved is simple. A lender reviews your income, credit, debt, and savings to give you a price range you can comfortably afford. From there, we can shop smart—without wasting time or risking heartbreak.
Pre-approval also helps you make faster, more confident decisions when the right house hits the market. It removes guesswork and gives you a clear financial roadmap.
Lenders can usually issue a pre-approval in 1-2 days. I can connect you with trusted professionals if you need a referral. If you’re planning to buy soon, this is your first step.