At Home With Anjanette

Buying your first home is one of the most exciting decisions you’ll ever make. But without the right preparation it can also become overwhelming and heartbreaking. Here’s what I wish every first time buyer knew before they started

1. Talk to a REALTOR® First Before you do anything else before you browse Zillow, before you visit open houses, before you fall in love with anything talk to a real estate professional. A good agent will help you create a clear plan, understand the process, and avoid costly mistakes from the start.

2. Get Pre-Approved Before You Shop Nothing is more heartbreaking than finding your dream home and discovering it’s outside your budget. A pre-approval letter tells you exactly what you can afford and shows sellers you’re a serious buyer. It’s one of the most important steps in the process.

3. Understand Your True Budget Your pre-approval amount and your comfortable budget aren’t always the same number. Factor in property taxes, homeowner’s insurance, maintenance costs, and HOA fees if applicable. Buy what fits your life — not just what the bank approves.

3. Understand Your True Budget Your pre-approval amount and your comfortable budget aren’t always the same number. Factor in property taxes, homeowner’s insurance, maintenance costs, and HOA fees if applicable. Buy what fits your life — not just what the bank approves.

4. Don’t Make Big Financial Changes Once you start the home buying process avoid changing jobs, making large purchases, or opening new credit accounts. These changes can affect your loan approval even after you’re under contract.

5. You Don’t Need 20% Down Many first time buyers don’t realize there are loan programs available with as little as 3% down and down payment assistance programs that may help bridge the gap. Talk to a lender early you may be closer than you think.

The home buying process doesn’t have to be stressful. With the right team and the right plan it can be one of the most exciting journeys of your life.

Ready to start yours?

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