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.