Buying your first home is exciting, but it can also feel overwhelming. From securing financing to navigating closing costs, the process is packed with details. As a first-time buyer, here’s how to stay ahead of the game:

• Check Your Credit Score Early
  Your credit score determines mortgage rates and loan eligibility. Aim for a score of 670+ (good) or 740+ (excellent) for the best terms.

• Get Pre-Approved (Not Just Pre-Qualified)
  A mortgage pre-approval letter shows sellers you’re serious and clarifies your budget.

• Prioritize Needs vs. Wants
  Create two lists: non-negotiables (e.g., school district, 3 bedrooms) and nice-to-haves (e.g., granite countertops).

• Research First-Time Buyer Programs
  Explore FHA loans, USDA loans, or state-specific grants that offer low down payments or closing cost assistance.

• Budget for Hidden Costs
  Beyond the down payment, factor in property taxes, insurance, maintenance, and HOA fees.

• Hire a Local Real Estate Agent
  An agent with neighborhood expertise can spot red flags, negotiate deals, and streamline paperwork.

• Never Skip the Home Inspection
  Uncover hidden issues like foundation cracks or outdated wiring before closing.

• Think Long-Term
  Will this home fit your needs in 5–10 years? Consider job stability, family plans, and resale value.

• Avoid Big Purchases Before Closing
  New debt (e.g., a car loan) can jeopardize your mortgage approval. Stay financially steady until keys are in hand.

• Ask Questions!
  No query is too small—your agent and lender are there to guide you

  • • Ready to Start Your Journey?
      Reza Hamzehali specializes in helping first-time buyers navigate the market confidently.

    • Contact me today:6047048989

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