How To Buy My First Home ✭

Paint colors, carpet, or landscaping (these are easy to change later). 5. Make an Offer and Negotiate

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

A higher score gets you lower interest rates. how to buy my first home

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

While 20% is the gold standard to avoid private mortgage insurance (PMI), many first-time programs allow as little as 3% or 3.5% down. Paint colors, carpet, or landscaping (these are easy

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

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" While 20% is the gold standard to avoid

Once your offer is accepted, you enter escrow. Never skip these two steps: