First Time Homebuyer's Guide

The Process

We'll Guide You Through Each and Every Step

Initial Consultation

Let’s Talk Goals

We’ll connect to understand your timeline, budget, and what homeownership means to you. This is your chance to ask questions, get clarity on the full process, and connect with our trusted lenders to get pre-approved. That gives us a budget to shop with—and a competitive edge when we’re ready to make offers.

Finding the Right Fit

Let’s Get Strategic

Once we find the right home, we’ll craft a strong offer backed by market data. We’ll negotiate the best terms and walk you through inspections, repairs, and compliance. While our lending partner orders the appraisal, we’ll review the results together and adjust if needed.

Closing Time

Welcome Home!

Once your loan is funded and the final docs are signed, the home is officially yours. We’ll do a final walkthrough, hand you the keys—and celebrate the moment with you. And even after closing, we’re just a call away for tips, referrals, or your next move.

First-Time Buyer Essentials

Buying your first home is exciting—but it can also feel overwhelming without a clear plan. That’s why we created this guide specifically for first-time buyers like you.

Inside, you'll learn how to navigate financing, make sense of the market, and feel confident from pre-approval to closing. We break it all down in a way that’s simple, supportive, and tailored to your goals.

Get your free copy sent straight to your inbox.

Register to Download the Guide

EXPLORE THE PROCESS

Financing Your First Home

Understanding your financing options is a key part of the home buying journey. Whether you're just starting out or building your future, every path to homeownership begins with a smart financial strategy. We’re here to guide you through your loan options with confidence and clarity—breaking down what matters most and connecting you with trusted lending partners who specialize in first-time buyer solutions.

Our role is to empower you with the knowledge and resources you need to make informed decisions—so when the right home comes along, you're not just ready… you're ahead of the game.

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FHA/VA/USDA

Buying your first home doesn’t mean you need 20% down. These loan programs are designed to help first-time and qualified buyers get into a home with less upfront cost. Whether you're working with limited savings, building your credit, or simply exploring your options, we’ll help you find the right fit and connect you with trusted lenders who specialize in first-time buyer programs.

CONVENTIONAL

Conventional loans are a popular choice for buyers with solid credit, stable income, and a bit of savings. These loans aren’t backed by the government, which means more flexibility in terms—but they often come with competitive interest rates and fewer restrictions for well-qualified buyers. With as little as 3% down, conventional loans can offer lower monthly mortgage insurance and more options when it comes to property types.

INVESTOR & NONTRADITIONAL LOANS

Not every buyer fits into a traditional lending box—and that’s where Non-QM loans come in. These programs are designed for real estate investors, self-employed professionals, and anyone with unique income situations or goals that don't align with conventional guidelines. Whether you're building a rental portfolio, flipping properties, or showing income through bank statements instead of W-2s, there are flexible financing solutions that make it possible.

Learn More

FAQs

1. What’s the first step in buying a home?

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The first step is getting pre-approved for a mortgage. It helps you understand your price range and signals to sellers that you're a serious buyer.

2. How much can I afford as a first-time buyer?

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It depends on your income, debt, credit score, and down payment. A good rule: your total housing payment should stay under 28% of your gross monthly income.

3. What assistance is available for first-time buyers?

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There are state and local programs that offer grants, down payment assistance, and favorable loan options for first-time homebuyers. We can connect you with trusted lenders who specialize in these programs.

4. What are closing costs, and who pays them?

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Closing costs are fees for finalizing the home purchase—like appraisal, title, and loan origination. They usually total 2–5% of the purchase price. Some may be negotiable or covered by seller credits.

5. Do I need a down payment?

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Yes—but it doesn’t have to be 20%. Many first-time buyer loans allow as little as 3% down. We’ll help you find the best option for your situation.

6. Should I get a home inspection?

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Absolutely. A home inspection gives you a clear picture of the property’s condition and can uncover issues before you close. It's a key part of protecting your investment.

7. What’s the difference between pre-qualification and pre-approval?

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Pre-qualification is a rough estimate based on self-reported info. Pre-approval is a lender-reviewed, verified commitment that gives you more negotiating power.

8. How long does the buying process take?

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Once your offer is accepted, closing typically takes 30 to 45 days. The timeline can vary depending on loan approval, inspections, and appraisal results.

9. Can I buy with student loan debt?

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Yes. Lenders consider your debt-to-income ratio. Many buyers with student loans still qualify for home loans—especially with strong credit and income stability.

10. When do I get the keys?

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After signing the final documents and the loan is funded—typically on closing day. Once everything is recorded, the keys are yours!