First-Time Homebuyer Tips: What Every Buyer Should Know Before Purchasing a Home

Buying your first home is a big milestone — and it’s normal to feel excited, nervous, and unsure all at once. That's why I'm here to walk you through the home buying process in a clear, realistic way so you can feel confident, prepared, and informed before making one of the biggest financial decisions of your life.

You don’t need to have everything figured out. You just need the right information.

1. Know Your Credit Before It Knows You

Your credit score plays a huge role in your buying power — from loan approval to interest rates.

Before browsing listings, pull your credit report and get familiar with:

• Your credit score

• Any late payments or collections

• Existing debts (student loans, car payments, credit cards etc.)

You don’t need perfect credit to buy a home, but knowing where you stand gives you control. Even small improvements can make a big difference over time.

2. You Don’t Need 20% Down (Seriously)

Many first-time buyers qualify for:

• Low down payment loans (as little as 3–5%)

• Down payment assistance programs

• Grants or credits that reduce upfront costs

Waiting to save 20% can delay homeownership for years — and in the meantime, rent keeps rising. Exploring your options early can open doors you didn’t realize were there.

3. Get Pre-Approved Before You Fall in Love

Scrolling listings is fun — but getting pre-approved is empowering.

A pre-approval:

• Shows you what you can realistically afford

• Strengthens your offer when you’re ready to buy

• Helps you avoid emotional or financial stress later

Think of it as a planning tool, not a commitment.

Free First-Time Homebuyer Guide

Not ready to talk yet? Start with education.

This guide is designed to help first-time buyers understand what the process actually looks like— and how to move forward with confidence.