First Time Homebuyer Guide | FREE PRINTABLE CHECKLIST

🏡 First-Time Homebuyer Guide: 5 Steps to Getting Started

Buying your first home is exciting — but let’s be honest, it can also feel overwhelming. From getting pre-approved to picking the right neighborhood, there are a lot of decisions to make. The good news? You don’t have to figure it out alone. Here’s a simple guide to help first-time homebuyers take the right steps and feel confident every step of the way.

1. Start with Pre-Approval
Before you scroll through listings or tour homes, it’s important to know how much you can afford. A pre-approval from a trusted lender will tell you your price range, give you an idea of your monthly payment, and strengthen your offer when you find the perfect home. Many buyers are surprised to learn they may qualify for programs with lower down payments — some even with as little as 3–5% down.

2. Define Your Must-Haves & Nice-to-Haves
It’s easy to get caught up in the excitement of house hunting, but having a clear list of priorities helps keep you focused. How many bedrooms and bathrooms do you need? Is a big backyard a must, or would you trade outdoor space for a modern kitchen? Think about your lifestyle today and where you see yourself in the next few years.

3. Understand the Costs
Beyond the purchase price, there are other costs to plan for: closing costs (typically 2–5% of the home price), home inspections, moving expenses, and ongoing maintenance. Your agent and lender can give you a clear picture of what to expect, so you can budget confidently and avoid surprises.

4. Work with the Right Team
Having an experienced agent on your side makes a huge difference — especially as a first-time buyer. Your agent will help you find the right home, negotiate the best deal, and guide you through inspections, appraisals, and paperwork. The goal is to make the process as smooth and stress-free as possible so you can focus on the fun part: moving in!

Ready to take the first step?
If you’re thinking about buying your first home, let’s connect. I’d be happy to answer your questions, recommend trusted lenders, and help you start your homeownership journey with confidence.