Category: First Time Home Buyer

Before You Tour Homes, Get Clear on What You Need

Before you start touring homes, sort your wish list into needs, wants and bonuses, and set a realistic budget so your search stays focused and productive.

How Much Do You Need for a Down Payment? Options and Tips

You may not need 20% down to buy a home. Compare down payment minimums for common loan programs and get practical tips to build your savings faster.

What Credit Score Do You Need to Buy a Home?

Find out how credit scores affect your home loan options, what different programs typically look for and how down payment and timing can help your case.

How Much House Can You Afford? A Practical Way to Find Out

Figure out what you can comfortably afford by comparing rent, adding up the full monthly payment, budgeting for upkeep and setting your own price limit.

USDA Home Loans: Who Qualifies and How They Work

Learn how USDA home loans work, which areas and properties may be eligible, how income limits apply and whether this program could fit your home purchase.

How a Mortgage Works: Payments, Interest and Payoff Explained

Learn how a mortgage works, from loan terms and what makes up your monthly payment to amortization and how extra principal payments can save interest.

Building Credit for a Future Home Purchase: A Long-Game Plan

Planning to buy in the next few years? Learn how payment history, debt-to-income ratio and the age of your accounts shape your credit and your mortgage.

Choosing a Real Estate Agent: Questions Worth Asking

Hiring a real estate agent? Use these questions about experience, local expertise, communication, services and marketing to find the right fit for you.

A Smarter Home Search: How to Find the Right Fit

Searching for a home? Learn how to build a priority list, set a realistic budget, get pre-approved and stay patient until the right house comes along.

Moving Into Your New Home: Tips for a Calmer Transition

Just bought a home? These practical moving tips cover hiring help, unpacking at a sane pace, tracking expenses and waiting before you buy new furniture.