Read This Before You Buy Your First Home

Buying your first home is exciting, overwhelming, and a little nerve-wracking all at once. Before you dive in, here are a few things every first-time homebuyer should know:

1. Know Your Budget Beyond the Mortgage

Most people calculate what they can afford based on monthly mortgage payments. But don’t forget about property taxes, homeowners insurance, utilities, maintenance, and potential HOA fees. Know your all-in cost before you shop.

2. Get Pre-Approved, Not Just Pre-Qualified

A pre-qualification is a quick estimate. A pre-approval is a verified letter from a lender confirming what you’re approved to borrow. In competitive markets, this letter can make or break your offer.

3. Shop the Neighborhood, Not Just the House

You can change paint colors and flooring — but you can’t fix a bad location. Visit the neighborhood at different times of the day, check commute routes, and talk to a few locals if you can.

4. Expect the Unexpected

No home is perfect. Even new builds and newly remodeled homes can have issues. A professional home inspection is a must — and be prepared to negotiate or handle minor repairs after move-in.

5. Choose the Right Realtor

A great agent does more than open doors. They’ll help you spot problems, negotiate on your behalf, guide you through the paperwork, and keep you calm when things get stressful.

Final Thought:

Your first home is a huge step — and having the right information (and people) by your side makes all the difference. If you’re ready to start your home search, let’s talk. I’d be honored to guide you home.