Category: First Time Home Buyer

The Real Costs of Owning a Home Beyond Your Mortgage

Taxes, insurance, maintenance, HOA dues, utilities and more. Learn the costs that come with owning a home so you can set a budget that holds up over time.

How Mortgage Approval Works: A Guide for First-Time Buyers

From credit check to closing table, here is how mortgage approval works for first-time buyers, what lenders review and how to keep your loan moving.

Comparing Mortgage Types: Which Home Loan Fits You?

Fixed or adjustable? Conventional, FHA, VA or USDA? Compare the most common mortgage types and see how each may fit your budget, goals and risk comfort.

Your New Home Checklist: What to Do After Closing

Just got the keys? Use this checklist to secure your home, set up utilities, check safety devices, review insurance and settle into your new neighborhood.

Your First Home, Start to Finish: A Simple Roadmap

Buying your first home? Follow this simple roadmap from budgeting and pre-approval to house hunting, offers, inspections, closing and moving in.

What Credit Score Do You Need to Buy a Home?

Your credit score affects which loans you may qualify for and the terms you are offered. Learn how scores factor in and what to do if yours needs work.

How Long Does Buying a Home Take? A Realistic Timeline

From your first showing to getting the keys, buying a home usually takes a few months. Learn what affects the timeline and how to keep things on schedule.

Getting Ready to Buy a Home: Where to Begin

Before you tour a single house, get your finances in order, line up a pre-approval and build a clear wish list. A simple plan for starting a home search.

How Much Do You Really Need for a Down Payment?

Twenty percent down is not the only path. Compare down payment needs for conventional, FHA, VA and USDA loans and learn how to choose the right amount.

Earnest Money Deposits: How They Work and How to Protect Yours

Learn what an earnest money deposit is, where the money is held, when it may be refunded and how contract contingencies can help protect your deposit.