DISCOVER YOUR NEW BEGINNING

Your Guide to Buying Your First Home

Buying your first home is an exciting milestone, and we're here to make it stress-free and rewarding. Our first-time home buyer page offers expert advice, step-by-step guidance, and valuable resources to help you navigate the process with confidence. From understanding financing to finding the perfect home, we’re here to support you every step of the way.

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Start Your Journey to Homeownership

Buying your first home is a monumental step, and we’re here to make it a smooth and exciting experience. Explore essential resources, expert tips, and step-by-step guidance tailored for first-time buyers. These tools will empower you to make informed decisions and confidently navigate the path to your dream home.

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First-Time Home Buyer

Process Timeline

A group of people are talking to each other with speech bubbles.

Step 1: Initial Consultation

1-2 weeks

Meet with a real estate professional to discuss your needs and budget. Get a clear understanding of your wants versus needs, and discuss the home buying process in detail.

A hand is holding three bags of money.

Step 2: Pre-approval

1-3 days

Speak with a mortgage broker or lender to get pre-approved for a loan. This will give you a better idea of what you can afford and strengthen your position when making an offer.

A black and white drawing of a magnifying glass on a white background.

Step 3: Home Search

3-6 weeks

Begin viewing homes that meet your criteria. Your agent will schedule showings and help you evaluate potential homes based on your specific needs and budget.

A line drawing of a hand holding a percent sign.

Step 4: Making an Offer

1-7 days

Once you find a home, your agent will help you make a competitive offer based on market analysis and sales data. They will negotiate on your behalf to get the best possible terms.

A magnifying glass is sitting next to a piece of paper with a check mark on it.

Step 5: Home Inspection

1-2 weeks

After your offer is accepted, have a professional home inspection to identify any issues with the property. You can negotiate repairs or based on the inspection results.

A black and white icon of a dollar bill with a dollar sign on it.

Step 6: Financing

3-5 weekS

Work with your lender to finalize the mortgage. This process includes home appraisal, review of the terms, and gathering necessary documentation.

A black and white drawing of a handshake on a white background.

Step 7: Closing

1 day

Attend the closing meeting to sign all paperwork, finalize the loan, and officially take ownership of your home. Your agent will be there to ensure everything goes smoothly.

A black and white icon of a house with an arrow pointing up.

Step 8: Move-In

Variable

Once the closing is complete, you can move into your new home. Congratulations, you are now a homeowner!

Learn the difference

Buying vs. Renting

A for sale sign in front of a house

Buy

  • Build Equity: Each mortgage payment contributes to your ownership, growing your financial investment over time.


  • Stability: Fixed mortgage rates ensure predictable housing costs, offering long-term security.


  • Personalization: Enjoy the freedom to renovate, decorate, and customize your home as you wish.


  • Tax Advantages: Benefit from deductions on mortgage interest and property taxes, reducing your overall tax burden.


  • Investment Growth: Real estate often appreciates in value, providing potential financial gains when you sell.
A house with a for rent sign in front of it

Rent

  • No Equity: Monthly rent payments do not contribute to ownership, build any financial asset, or long-term wealth.


  • Rent Increases: Landlords can raise rent periodically, leading to unpredictable housing costs.


  • Limited Control: Renters are often restricted by landlord rules and cannot make significant changes to the property.


  • No Tax Benefits: Rent payments do not provide tax deductions or financial incentives, unlike homeownership.


  • Lack of Investment: Renting does not allow you to benefit from property value appreciation over time.
Access Free Resources

Download First Time Home Buyer Guide

Download our free Home Buyer Guide to simplify your path to homeownership. Gain expert tips and insights to make confident, informed decisions in the buying process.

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Begin your journey to finding the perfect home with ease and confidence. Our expert team is here to help you explore tailored options that suit your lifestyle and preferences. Let us guide you every step of the way to turn your dream home into a reality.