Buyers

First-Time Home Buyers: Start Here

Never bought a home before? Don't stress. Here's the whole process in plain English.

Step by step

How buying your first home works

We go over your budget, timeline, and what you want. No cost, no pressure.

A lender reviews your income, credit and savings and tells you what you can borrow. We can connect you with lenders we trust.

We set up your search and take you to see homes. We'll tell you what we see, good and bad.

We decide on price and terms together, and we negotiate for you.

We check the home's condition and make sure the value supports the price.

Sign the paperwork, and the house is yours.

The big worries

Often, no. Depending on the loan, you may need much less. VA loans can be $0 down for eligible buyers. Your lender will confirm what you qualify for.

There may be. Down payment assistance programs come and go, so ask your lender what's available right now.

Plan for your down payment, closing costs, an escrow deposit and inspections. We'll help you map it out.

Let's talk about your first home. We'll answer every question, even the ones you think are silly.