First Time Home Buying 101 ★ Authentic & Official

💡 Avoid making large purchases (like a new car) or changing jobs while you are in the middle of the mortgage process, as this can disqualify your loan. If you'd like to dive deeper into the financial side: Specific price range you're considering City or state where you plan to buy Credit score range (excellent, good, or needs work)

Ensure the home is in the agreed-upon condition.

The bank confirms the house is worth what you’re paying.

They find homes, negotiate, and handle contracts.

Now for the fun part. Be realistic about what you need versus what you want.

Don't go it alone. Assemble experts to protect your interests.

You’ll sign a mountain of paper and officially become a homeowner.

Your score determines your interest rate. Save for a down payment: Aim for 3% to 20% of the price. Budget for closing costs: Expect to pay 2% to 5% in fees.