How To Buy My First Home -

It’s easy to get distracted by a pretty kitchen. Stay grounded by making a list:

Avoid making any large purchases (like a new car or furniture on credit) between your pre-approval and closing day, as this can disqualify your loan at the last minute!

In most cases, the seller pays the commission, so professional representation is usually free for you. A good agent will find listings, schedule viewings, and—most importantly—handle the intense negotiations. 4. Know Your "Must-Haves" vs. "Nice-to-Haves" how to buy my first home

When you find "the one," your agent will help you determine a fair price based on "comps" (what similar homes nearby sold for). Don't be afraid to ask for a "seller concession" to help cover your closing costs if the house needs minor repairs. 6. The "Due Diligence" Phase

Number of bedrooms, school district, or commute time. It’s easy to get distracted by a pretty kitchen

A pro checks for mold, structural issues, and faulty wiring.

A "pre-qualification" is a guess; a is a commitment. It shows sellers you are a serious, vetted buyer. Shop around with at least three lenders to compare interest rates and loan terms. 3. Find a "Buyer’s Agent" A good agent will find listings, schedule viewings,

Expect to pay 2% to 5% of the home’s purchase price in taxes, lender fees, and inspections. 2. Get Pre-Approved