Buying Your First Home, this is what you need to do.

Should you start touring homes? Save more money? Check your credit?

My recommendation is to start with a plan.

Get Pre-Approved Before House Hunting

Before scheduling showings, talk to a lender about your financing options.

Getting pre-approved helps you understand what price range may work for you, what your monthly payment could look like, and how much cash you’ll need.

This makes it easier to focus on homes that fit your budget.

Don’t Forget About Additional Costs

Your down payment isn’t your only expense.

Depending on the purchase, you may also need money for inspections, an appraisal, closing costs, and homeowners insurance.

I also encourage buyers to keep some savings available after closing.

Compare the Full Cost of Owning a Home

In Riverside and San Bernardino counties, two homes with similar prices can have very different monthly costs.

For example, some communities have Mello-Roos assessments or HOA fees.

Insurance costs can also vary by location.

These are important details to review before making an offer.

Ask About Homebuyer Assistance

There may be state or local programs available to eligible first-time buyers.

Program requirements and funding can change, so ask your lender about current options.

Work With an Agent Who Explains the Process

Buying your first home involves more than finding a property.

You’ll need to understand your buyer representation agreement, offer terms, inspections, contingencies, escrow timelines, and closing process.

My goal is to make sure you understand your choices before making important decisions.