First Time Home Buyer

A message for first time home buyers: Is now the time for you to purchase your first home? 

For many renters, the first step in buying a house is becoming educated about the process.  If you’re like many people considering a home purchase, you’ve spent nights and weekends poring over real estate websites.



So.. What’s the first step to home buying? Determine what you can afford.


There’s no use in falling in love with a $300,000 home in your dream neighborhood if the banks will only write you a loan of $150,000.


You’ll save time by talking to an experienced lender in the area you plan to buy.  They can match you with the program that most closely matches your particular needs.


Credit score requirements vary by program, as do down payment minimums.  Be prepared to provide a loan officer with income verifications, bank and savings accounts.


Next step:  Choosing your Real Estate Agent

Here’s why you should use a real estate agent:


Like a lawyer, doctor, or other professional hired to represent your interests, the agent will not only advise you about the transaction, but protect and facilitate the process.


In general,  As a buyer, you are not paying the  real estate agent commission. The seller is responsible for listing fees and a portion of those fees will be paid to your agent for helping with the transaction.  There are exceptions, so be aware. 


After you find the home you want to buy, it takes between 45 and 60 days, generally. The home search can take longer, however, so have a clear idea what you’re looking for and able to afford.


Naturally, there’s more to buying a home, but this covers the basic introduction to the process. Your agent, will walk you through the rest, guiding you along the way.

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Please Note: All information provided is deemed reliable but is not guaranteed and should be independently verified. The property information provided on CENTURY 21 Select Group's websites is for personal, non-commercial use only and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Property information is gathered from third-party resources including the seller and public records. CENTURY 21 Select Group, Onjax, LLC, its affiliates, owners, subsidiaries and subscribers disclaim any and all representations or warranties as to the accuracy or reliability of the information provided. You should verify all claims through personal inspection and/or contact with the appropriate real estate professionals.
Last Updated 04/23/2018 at 8:26am - Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.
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