{"id":104274,"date":"2025-07-31T13:43:30","date_gmt":"2025-07-31T20:43:30","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104274"},"modified":"2025-08-04T09:45:19","modified_gmt":"2025-08-04T16:45:19","slug":"first-time-homebuyer-tips","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/tips-for-first-time-homebuyers\/","title":{"rendered":"21 Essential Tips for First-Time Homebuyers"},"content":{"rendered":"\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Buying your first home can be a dream come true, but it can also be complicated. Between finding the right mortgage and deciding what you want in a home, there\u2019s a lot to consider. Thankfully, with the right guidance, the process can become manageable and even enjoyable. If you\u2019re new to the homebuying journey, you\u2019re in the right place.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Whether you\u2019re buying your first <\/span><a href=\"https:\/\/www.redfin.com\/city\/11458\/FL\/Miami\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">home in Miami, FL<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.redfin.com\/city\/12514\/CA\/Monterey\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Monterey, CA<\/span><\/a><span style=\"font-weight: 400;\">, these first-time homebuyer tips will give you the wisdom to navigate the homebuying process with ease. Let\u2019s get started.<\/span><\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" width=\"944\" height=\"630\" class=\"wp-image-104279\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-944x630.jpg\" alt=\"A gray two-story house.\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-944x630.jpg 944w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-1024x684.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-768x513.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-1536x1025.jpg 1536w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-scaled.jpg 1798w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_1937913955-449x300.jpg 449w\" sizes=\"(max-width: 944px) 100vw, 944px\" \/><\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\r\n<p><span style=\"font-weight: 400;\">In this article:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><a href=\"#h-planning-and-preparing-financially\"><span style=\"font-weight: 400;\">Planning and preparing financially<\/span><\/a><\/li>\r\n\r\n\r\n\r\n<li><a href=\"#h-finding-the-right-mortgage\"><span style=\"font-weight: 400;\">Finding the right mortgage<\/span><\/a><\/li>\r\n\r\n\r\n\r\n<li><a href=\"#h-house-hunting-for-success\"><span style=\"font-weight: 400;\">House hunting<\/span><\/a><\/li>\r\n\r\n\r\n\r\n<li><a href=\"#h-making-the-deal\"><span style=\"font-weight: 400;\">Making the deal<\/span><\/a><\/li>\r\n\r\n\r\n\r\n<li><a href=\"#h-first-time-homebuyer-tips-what-comes-next\"><span style=\"font-weight: 400;\">What comes next?<\/span><\/a><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 id=\"h-planning-and-preparing-financially\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">Planning and preparing financially<\/span><\/h2>\r\n\r\n\r\n\r\n<h3 id=\"h-1-take-a-homeownership-course\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">1. Take a homeownership course<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Homeownership courses can help clarify each part of the <\/span><a href=\"https:\/\/www.redfin.com\/blog\/home-buying-process-timeline\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">homebuying process<\/span><\/a><span style=\"font-weight: 400;\">. They cover topics like budgeting, building credit, mortgage options, house hunting, and closing.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you&#8217;re unsure where to start, check with HUD-approved counseling agencies, non-profit organizations, and local housing authorities to find available courses. Along with the expertise you\u2019ll receive, some programs or lenders may offer incentives for completing courses such as lower interest rates and down payment assistance.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-2-look-into-first-time-homebuyer-benefits\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">2. Look into first-time homebuyer benefits<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Many programs are designed to make homeownership more accessible for first-time buyers by reducing upfront costs, lowering monthly payments, and helping with mortgage qualification.<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>State and local programs:<\/b><span style=\"font-weight: 400;\"> Cities and states may offer down payment assistance, forgivable loans, or closing cost help. Check with your state\u2019s housing finance agency for options.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Federal loan options:<\/b><span style=\"font-weight: 400;\"> Government-backed loans like FHA, VA, and USDA loans are popular among first-time buyers, offering flexible credit and down payment requirements.<\/span><\/li>\r\n\r\n\r\n\r\n<li><a href=\"https:\/\/homepath.fanniemae.com\/homebuyers\/how-much-can-i-borrow\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><b>Fannie Mae\u2019s HomePath Ready Buyer\u2122 Program<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> This offers up to 3% in closing cost assistance when purchasing a HomePath property and completing a homeownership course.<\/span><\/li>\r\n\r\n\r\n\r\n<li><a href=\"https:\/\/www.hud.gov\/program_offices\/housing\/sfh\/reo\/goodn\/gnndabot\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><b>Good Neighbor Next Door<\/b><\/a><b>:<\/b><span style=\"font-weight: 400;\"> Offered by HUD, teachers, law enforcement, firefighters, and EMTs may receive a 50% discount on eligible homes in revitalization areas.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Mortgage Credit Certificates (MCC):<\/b><span style=\"font-weight: 400;\"> Some state programs offer MCCs, which provide a federal tax credit for a portion of annual mortgage interest.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">While these programs can be incredibly helpful, many have eligibility rules based on income, location, or occupation. It\u2019s best to start your research early and gather the required forms and documentation ahead of time.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><b><i>&gt;&gt;Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/first-time-home-buyer-benefits\/\" data-wpel-link=\"exclude\"><b><i>First-Time Home Buyer Benefits and How to Qualify<\/i><\/b><\/a><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-3-improve-your-credit-score\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">3. Improve your credit score<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">A higher credit score leads to better mortgage interest rates, saving you thousands over time. To improve your credit score:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Check your credit report:<\/b><span style=\"font-weight: 400;\"> Review for errors and dispute any inaccuracies quickly.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Pay bills on time:<\/b><span style=\"font-weight: 400;\"> On-time payments have the biggest impact on your credit score, proving you\u2019re reliable and consistent with debt.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Pay down debts:<\/b><span style=\"font-weight: 400;\"> Lower balances can improve your credit utilization ratio.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Avoid new credit:<\/b><span style=\"font-weight: 400;\"> Don\u2019t open new credit accounts or make large purchases before applying for a mortgage.<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\"><b>Keep old accounts open:<\/b> Maintaining long-standing accounts improves your credit history.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><b><i>&gt;&gt; Discover: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/how-to-improve-your-credit-score-to-buy-a-house\/\" data-wpel-link=\"exclude\"><b><i>How to Improve Your Credit Score Before Buying a Home<\/i><\/b><\/a><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-4-save-up-for-a-down-payment\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">4. Save up for a down payment<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">It\u2019s important to start saving early for a down payment, ideally 20%. With 20% down, you can have lower monthly mortgage payments, qualify for a lower interest rate, and avoid <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-pmi-insurance\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">private mortgage insurance (PMI)<\/span><\/a><span style=\"font-weight: 400;\">. If a high down payment isn\u2019t realistic, it\u2019s worth checking state and local <\/span><a href=\"https:\/\/www.redfin.com\/guides\/first-time-home-buyer-programs\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">first-time homebuying programs<\/span><\/a><span style=\"font-weight: 400;\"> for down payment assistance.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Best practices for saving include budgeting, opening a separate savings account with automatic monthly payments, reducing major expenses, and monitoring your spending to determine where you need to cut back.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-5-save-for-closing-costs\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">5. Save for closing costs<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.redfin.com\/blog\/what-are-closing-costs\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Closing costs<\/span><\/a><span style=\"font-weight: 400;\"> are fees and expenses you\u2019ll pay when finalizing the home purchase. These typically range between 2-5% of the home\u2019s purchase price. On a home purchased for $350,000, closing costs could run anywhere from $7,000 to $17,500. With such a significant difference, it\u2019s best to prepare for the higher end of the range.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you\u2019re looking to save, consider asking the seller for <\/span><a href=\"https:\/\/www.redfin.com\/blog\/seller-concessions-101\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">concessions<\/span><\/a><span style=\"font-weight: 400;\">, exploring lender credits, or looking into assistance programs that cover closing costs.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Common closing cost fees include:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Application fee:<\/b><span style=\"font-weight: 400;\"> Up to $500<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Appraisal fees:<\/b><span style=\"font-weight: 400;\"> $300-$500<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Title insurance:<\/b><span style=\"font-weight: 400;\"> 0.5% to 1% of the loan amount<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Escrow fees:<\/b><span style=\"font-weight: 400;\"> 1% of the home sale price<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Recording fees:<\/b><span style=\"font-weight: 400;\"> $125<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Property taxes:<\/b><span style=\"font-weight: 400;\"> Varies<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Homeowner\u2019s insurance premiums:<\/b><span style=\"font-weight: 400;\"> Varies<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"h-6-build-an-emergency-fund\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">6. Build an emergency fund<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">An emergency fund is a cash reserve designated for emergencies and other uncommon expenses. The goal is to put money aside in preparation for things like job changes, medical bills, and home repairs. As a golden rule, aim to save up 3-6 months of your current living expenses for your emergency fund.<\/span><\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u201cMake sure you\u2019re on track with your other financial goals before your first home purchase: pay off any high interest rate debt, clean up your credit, prioritize saving for retirement, and make sure to build up at least 3 months of emergency savings. A solid financial foundation is key before taking on a mortgage payment.\u201d &#8211; Sophia Bera, finance blogger, <\/span><a href=\"https:\/\/genyplanning.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Gen Y Planning<\/span><\/a><\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<h3 id=\"h-7-determine-how-much-house-you-can-realistically-afford\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">7. Determine how much house you can realistically afford<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before you start browsing listings, it\u2019s important to understand what fits comfortably within your budget. A home <\/span><a href=\"https:\/\/www.redfin.com\/how-much-house-can-i-afford\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">affordability calculator<\/span><\/a><span style=\"font-weight: 400;\"> can help you estimate your price range based on your income, debts, down payment, and projected expenses.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">You don\u2019t need to have everything fully figured out, but start with an amount that feels realistic for your savings goals. From there, you can adjust as needed while weighing monthly mortgage payments, taxes, insurance, and other homeownership costs.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-8-factor-in-home-maintenance-costs\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">8. Factor in home maintenance costs<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Every home has one thing in common: they require ongoing maintenance. When preparing your finances, be sure to budget for regular upkeep and repairs. A good rule of thumb is to set aside 1% to 4% of your home\u2019s value in a maintenance fund. This will help you keep your home in good shape, prioritizing routine maintenance and home repairs as they occur.<\/span><\/p>\r\n\r\n\r\n\r\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">\u201cWhen I bought my first house, the only thing I was worried about was whether I could afford the mortgage payment. After I needed to repair my HVAC unit, replace my roof and furnish my entire home, I quickly realized that the mortgage is only one piece of the homeownership puzzle.\u201d &#8211; Andy Hill, finance podcaster, <\/span><a href=\"http:\/\/marriagekidsandmoney.com\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">Marriage, Kids, and Money<\/span><\/a><\/p>\r\n<\/blockquote>\r\n\r\n\r\n\r\n<h2 id=\"h-finding-the-right-mortgage\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">Finding the right mortgage<\/span><\/h2>\r\n\r\n\r\n\r\n<h3 id=\"h-9-shop-around-to-compare-lenders-and-loan-terms\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">9. Shop around to compare lenders and loan terms<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Comparing mortgage lenders and terms can save you thousands of dollars over the life of your loan, so don\u2019t settle for the first offer. It\u2019s generally recommended to apply to several lenders before deciding.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Loan types for first-time homebuyers include:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Conventional Loan:<\/b><span style=\"font-weight: 400;\"> Offers flexible down payment options as low as 3% with private mortgage insurance (PMI). These require a higher credit score and must fall within conforming loan limits.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>FHA Loan:<\/b><span style=\"font-weight: 400;\"> Designed for buyers with lower credit scores. These require just 3.5% down, but includes mortgage insurance for the life of the loan.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>VA Loan:<\/b><span style=\"font-weight: 400;\"> Available to eligible veterans, active-duty service members, and family members. No down payment or mortgage insurance is needed, often with lower interest rates.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>USDA Loan:<\/b><span style=\"font-weight: 400;\"> Ideal for buyers purchasing in eligible rural or suburban areas. No down payment is required, but income limits apply based on location and household size.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Adjustable-Rate Mortgage (ARM):<\/b><span style=\"font-weight: 400;\"> Starts with a lower fixed rate, then adjusts based on market trends. ARMs can help you save early on, but carry the risk of rate increases.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Fixed-Rate Mortgage:<\/b><span style=\"font-weight: 400;\"> Offers predictable monthly payments and a stable interest rate for the loan\u2019s duration. This is ideal for buyers who plan to stay in their home long-term.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When choosing a mortgage, consider your credit score, down payment savings, income stability, and location to find the best fit for your financial needs.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><b><i>&gt;&gt;Discover: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/types-of-home-loans-for-first-time-buyers\/\" data-wpel-link=\"exclude\"><b><i>6 Types of Home Loans for First-Time Buyers<\/i><\/b><\/a><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-11-get-preapproved-before-you-start-house-hunting\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">10. Get preapproved before you start house hunting<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before finding your dream home, take the important step of getting preapproved for a mortgage. Preapproval will signal you\u2019re a serious buyer and help you understand how much you can borrow.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Many people mistake <\/span><a href=\"https:\/\/www.redfin.com\/blog\/prequalified-vs-preapproved\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">preapproval with prequalification<\/span><\/a><span style=\"font-weight: 400;\">, but they\u2019re not the same.<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Prequalification:<\/b><span style=\"font-weight: 400;\"> An estimate of how much you might be able to borrow based on the financial information you provide.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Preapproval:<\/b><span style=\"font-weight: 400;\"> A conditional offer from a lender including how much they\u2019re likely to lend you based on your credit, income, and finances. This holds more weight than prequalification and gives a realistic homebuying budget.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">What you\u2019ll need to provide for mortgage preapproval:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><span style=\"font-weight: 400;\">Proof of income<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">Employment verification<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">Recent pay stubs<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">W-2 forms<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">Photo ID<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">Social security number<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">Credit history<\/span><\/li>\r\n\r\n\r\n\r\n<li><span style=\"font-weight: 400;\">Debt-to-income ratio (DTI)<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><b><i>&gt;&gt;Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/mortgage-pre-approval\/\" data-wpel-link=\"exclude\"><b><i>How to Get Pre-Approved for a Mortgage<\/i><\/b><\/a><\/p>\r\n\r\n\r\n\r\n<figure><img decoding=\"async\" class=\"aligncenter wp-image-104296 size-blog-post\" src=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-945x630.jpg\" alt=\"Checking out the kitchen during a home tour.\" width=\"945\" height=\"630\" srcset=\"https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-945x630.jpg 945w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-300x200.jpg 300w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-1024x683.jpg 1024w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-768x512.jpg 768w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-1536x1024.jpg 1536w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-scaled.jpg 1800w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-225x150.jpg 225w, https:\/\/www.redfin.com\/blog\/wp-content\/uploads\/2025\/07\/shutterstock_2014230224-450x300.jpg 450w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/figure>\r\n\r\n\r\n\r\n<h2 id=\"h-house-hunting-for-success\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">House hunting for success<\/span><\/h2>\r\n\r\n\r\n\r\n<h3 id=\"h-12-make-a-priority-checklist\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">11. Make a priority checklist<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before house hunting, it\u2019s time to evaluate your preferences with a priority checklist. You\u2019ll want to separate must-haves from nice-to-haves. For example, the number of bedrooms and location of the home might be essentials, while quartz countertops might simply be a nice addition.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When crafting your list, think long-term. Consider how your needs might change in 5 to 10 years. Will you need more space? Will a large yard feel like too much upkeep?<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Also, think about practical details beyond the home itself, such as neighborhood safety, commute times, school district ratings, and parking options. These can greatly affect your daily life and future resale value.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-13-do-your-homework-during-the-home-search\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">12. Do your homework during the home search<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Once you have your list, it\u2019s research time. Be sure to consider the following when searching for homes:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Neighborhood:<\/b><span style=\"font-weight: 400;\"> Explore the neighborhood in-person to get a feel for the community and daily life. Take note of things like traffic flow, noise levels, and if possible, try to talk to some of the neighbors.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Local market:<\/b><span style=\"font-weight: 400;\"> It\u2019s a good idea to check the local <\/span><a href=\"https:\/\/www.redfin.com\/us-housing-market\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">housing market<\/span><\/a><span style=\"font-weight: 400;\"> to get a sense of pricing, competition, and how much room you have to negotiate.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Future development:<\/b><span style=\"font-weight: 400;\"> Check city planning or zoning websites for upcoming residential and commercial developments. A new park might boost property value, while a highway expansion could impact quality of life.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>School zones:<\/b><span style=\"font-weight: 400;\"> Even if you don\u2019t have children, school ratings are important for resale and property value. Use <\/span><a href=\"https:\/\/www.greatschools.org\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">online tools<\/span><\/a><span style=\"font-weight: 400;\"> and local school district sites to compare options.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"h-14-bring-a-friend-to-showings\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">13. Bring a friend to showings<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When evaluating a home, first-time homebuyers might overlook important details. Along with your trusted real estate agent, it\u2019s helpful to bring a friend or family member. An extra set of eyes can spot potential issues and ask thoughtful questions during the tour.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Just be mindful of who\u2019s tagging along. Someone who can focus on structural and design aspects of the home instead of staging is preferred. If they have experience in construction or home improvement, even better.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-15-work-with-a-trusted-real-estate-agent\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">14. Work with a trusted real estate agent<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">An experienced <\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">real estate agent<\/span><\/a><span style=\"font-weight: 400;\"> can guide you through the buying process, offering expert advice and negotiating on your behalf. It\u2019s best to connect with at least a few agents before selecting one. Like other professionals, agents have unique skills and personalities, so it\u2019s worth finding one who\u2019s compatible with you.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Select an agent who:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Has a compatible schedule<\/b><span style=\"font-weight: 400;\"> to meet for showings, reviewing contracts, and discussions.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Has a similar communication style<\/b><span style=\"font-weight: 400;\"> that suits your preferences.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Feels comfortable and trustworthy<\/b><span style=\"font-weight: 400;\">, so you feel supported during the homebuying process.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Has local market knowledge<\/b><span style=\"font-weight: 400;\"> of current trends, property value, and neighborhoods.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h3 id=\"h-15-think-about-resale-value-and-the-potential-to-build-equity\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">15. Think about resale value and the potential to build equity<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Your first home is a step toward long-term financial growth. As you look at properties, think about how easily it could sell later on. Consider factors like home condition, market trends, location, school quality, and the environment.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Also keep an eye on equity potential. As your home appreciates and you pay down your mortgage, you build equity, which is the portion of the home you truly own. Over time, this equity can help you upgrade to your next home, fund renovations, or bring more financial flexibility when life changes.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><b><i>&gt;&gt;Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/how-to-build-equity-in-your-home\/\" data-wpel-link=\"exclude\"><b><i>How to Build Equity in Your Home<\/i><\/b><\/a><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-16-stay-within-your-budget\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">16. Stay within your budget<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Sticking to your budget is key to long-term financial success. It\u2019s important to note that a lender might offer you a higher loan amount than you can comfortably afford, but that doesn\u2019t mean you should spend it all.\u00a0<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Don\u2019t forget to consider the <\/span><a href=\"https:\/\/www.redfin.com\/blog\/hidden-costs-when-buying-a-home\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">hidden costs of homeownership<\/span><\/a><span style=\"font-weight: 400;\"> such as property taxes, utilities, and maintenance. Staying comfortably within your budget will set you up for success now and in the future.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-making-the-deal\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">Making the deal<\/span><\/h2>\r\n\r\n\r\n\r\n<h3 id=\"h-17-make-an-offer-you-feel-comfortable-with\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">17. Make an offer you feel comfortable with<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">When you\u2019re ready to <\/span><a href=\"https:\/\/www.redfin.com\/blog\/making-an-offer-on-a-house\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">make an offer<\/span><\/a><span style=\"font-weight: 400;\">, pay attention to more than just the list price. Recent sales, market trends, and the home\u2019s condition should all contribute to your offer. Lean on your real estate agent to help you make an informed decision.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Include key <\/span><a href=\"https:\/\/www.redfin.com\/blog\/contingencies-in-real-estate\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">contingencies<\/span><\/a><span style=\"font-weight: 400;\"> like a home inspection, appraisal, and financing. These protect your interests and give you an out if something unexpected pops up. In a competitive market, some buyers waive contingencies to stand out, but it\u2019s a risk worth weighing carefully.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">You\u2019ll also submit <\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-earnest-money\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">earnest money<\/span><\/a><span style=\"font-weight: 400;\">, a small deposit showing you&#8217;re serious. It\u2019s typically applied to your down payment or closing costs if the deal moves forward.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-18-negotiate-with-the-seller\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">18. Negotiate with the seller<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Once your offer is submitted, don\u2019t be afraid to negotiate. You might be able to save money by finding a deal that benefits both parties. Your agent can help you understand where you have room to negotiate. These are the areas to focus on:<\/span><\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><b>Price:<\/b><span style=\"font-weight: 400;\"> If the home is overpriced, your real estate agent can help you with a counter offer based on comparable sales.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Repairs:<\/b><span style=\"font-weight: 400;\"> Use your home inspection report to negotiate. You can request that the seller makes repairs before closing or ask for a credit so you can handle them after moving in.\u00a0<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Closing costs:<\/b><span style=\"font-weight: 400;\"> It\u2019s common to ask the seller to cover some of the closing costs. This can ease upfront costs, but some lenders put a cap on how much a seller can contribute.<\/span><\/li>\r\n\r\n\r\n\r\n<li><b>Timeline:<\/b><span style=\"font-weight: 400;\"> Flexibility can work in your favor. You might offer to adjust the closing date to meet the seller\u2019s needs in exchange for other concessions.<\/span><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><b><i>&gt;&gt;Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/negotiating-after-home-inspection\/\" data-wpel-link=\"exclude\"><b><i>Negotiating After the Home Inspection: 8 Tips to Get the Best Deal<\/i><\/b><\/a><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-19-hire-a-home-inspector-and-appraiser\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">19. Hire a home inspector and appraiser<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">A home inspection and appraisal are essential steps before finalizing your purchase. A licensed home inspector will evaluate the property\u2019s condition, checking for issues like structural damage, plumbing concerns, or roofing problems.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">An appraiser, on the other hand, will assess the home\u2019s market value. This protects you and your lender from overpaying. Together, these steps help ensure you\u2019re making a smart investment and give you a chance to renegotiate or back out if major issues arise.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-20-get-homeowner-s-insurance\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">20. Get homeowner\u2019s insurance<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before closing, you\u2019ll need to secure <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-much-homeowners-insurance-do-you-need\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">homeowner\u2019s insurance<\/span><\/a><span style=\"font-weight: 400;\">. It&#8217;s typically required by your lender. This coverage protects against common risks like fire, theft, and personal liability.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Be sure to shop around for quotes to find the best coverage at the right price. Depending on your location, you may also need separate flood or earthquake insurance, as these aren\u2019t included in standard policies.<\/span><\/p>\r\n\r\n\r\n\r\n<h3 id=\"h-21-save-physical-copies-of-everything\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">21. Save physical copies of everything<\/span><\/h3>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Once you close, stay organized by keeping all your key documents in one place. A dedicated folder or a secure digital system should do the job.<\/span><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This paperwork is essential for tax purposes, future refinancing, or if you decide to sell. Keep copies of your purchase agreement, loan documents, appraisal, inspection report, title insurance policy, and closing disclosure. Having everything on hand will save time and stress down the road.<\/span><\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-first-time-homebuyer-tips-what-comes-next\" class=\"wp-block-heading\"><span style=\"font-weight: 400;\">First-time homebuyer tips: What comes next?<\/span><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Your journey doesn\u2019t end at closing. Stay ahead by keeping up with home maintenance, saving for unexpected repairs, and building a go-to list of local pros. Now that you have all the first-time homebuyer tips, you feel confident and prepared for life as a new homeowner. It\u2019s time to settle in and celebrate.<\/span><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Buying your first home can be a dream come true, but it can also be complicated. These first-time homebuyer tips will give you the wisdom to navigate homebuying journey with ease.<\/p>\n","protected":false},"author":816,"featured_media":104279,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34276],"tags":[34629],"coauthors":[36415],"class_list":["post-104274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-home","tag-first-time-homebuyer"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>21 Essential Tips for First-Time Homebuyers | Redfin<\/title>\n<meta name=\"description\" content=\"Looking to purchase your first home with confidence? Learn about the expert tips for first-time homebuyers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/tips-for-first-time-homebuyers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"21 Essential Tips for First-Time Homebuyers\" \/>\n<meta property=\"og:description\" content=\"Looking to purchase your first home with confidence? 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