“Buying Your First Home: 5 Things You Need to Know Before You Start”

Buying a home is exciting—but let’s be honest, it can feel a little overwhelming too. Between budgeting, loans, and competing offers, there’s a lot to figure out before you even start house hunting.

Whether you're dreaming of a backyard for the kids (or the dogs), or you're simply tired of paying rent to someone else—this guide will help you prepare wisely, confidently, and without second-guessing every decision.

Here are 5 questions to ask before you start the homebuying process:

1️⃣ How Much House Can We Actually Afford?

You’ve been saving, and that’s incredible—but let’s make sure you’re not stretching yourself too thin. A smart rule of thumb? Your monthly mortgage (including taxes and insurance) should be no more than 25–30% of your take-home pay. That way, you’ll have room in your budget for other priorities like childcare, home maintenance, and yes... still enjoying life.

✨ Pro tip: A pre-approval doesn’t mean you have to borrow the full amount. Focus on comfort, not just qualification.

2️⃣ What’s the Best Loan Option for Us?

The mortgage world has options—FHA, conventional, VA, USDA. So which one is right for you?

• FHA loans are great for first-time buyers with a lower down payment (as low as 3.5%).

• Conventional loans work well if you have strong credit and at least 5–20% to put down.

• VA loans are a powerful option for veterans and active military—no down payment required in many cases.

Your loan choice can impact your interest rate, monthly payment, and how competitive your offer looks to a seller. This is where working with a trusted lender makes all the difference.

3️⃣ How Do We Make Our Offer Stand Out?

In a competitive market, it’s not always about offering the highest price—it’s about being the strongest offer.

Here’s how to stand out: ✅ Get pre-approved (not just pre-qualified)✅ Offer flexible closing dates if possible✅ Keep contingencies clean and minimal✅ Include a personal letter (sometimes, yes—it helps!)

✨ Pro tip: Your realtor (hi, it’s me 👋🏾) can help you craft a winning offer that balances protection and persuasion.

4️⃣ What’s the Real Cost Beyond the Mortgage?

That monthly mortgage number is important, but don’t forget about:

• Property taxes (varies by area—ask!)

• Homeowners insurance

• HOA fees (if applicable)

• Utilities & maintenance

• Closing costs (usually 2–5% of the home’s price, due at signing)

These can add $300–$800+ to your monthly budget, depending on where and what you buy.

5️⃣ How Long Does the Homebuying Process Take?

From pre-approval to keys in hand, the average timeline is about 30–45 days once your offer is accepted. Add in house hunting, inspections, appraisals, and a little paperwork magic—and you’re looking at about 2–3 months total.

That said, every situation is different. If you have a firm deadline (like a lease ending or growing babies and pets in a too-small apartment), let your realtor know early so we can plan accordingly.

Final Thought:

The homebuying process doesn’t have to be confusing—or stressful. When you ask the right questions and have the right guidance, it can actually feel…exciting. (Like it should.)

If you’re thinking about buying soon, let’s talk. I’d love to help you create a custom plan that fits your budget, your family, and your future goals.

📩 Not sure where to start? Message me “BUY READY” and I’ll send you my free buyer checklist to get started.Let’s find the home that feels just right—for right now and for what’s next.