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BUYERS

Top Tips for First-Time Home Buyers

1. Get Pre-Approved Before You Shop

Understanding your buying power helps you narrow down your search and strengthens your offer. A pre-approval letter shows sellers you're serious and financially ready.

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2. Know Your Budget

Beyond the mortgage payment, it's important to factor in additional costs such as property taxes, homeowners insurance, HOA fees (if applicable), as well as ongoing maintenance and utilities. These expenses can vary by location and home type, so having a realistic picture of your total monthly housing costs will help you stay financially comfortable and avoid surprises down the road.

3. Explore First-Time Buyer Programs

YOU MAY QUALIFY FOR:

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  • Down payment assistance

  • State and local grants

  • FHA or VA loans

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4. Prioritize Your Must-Haves

Create a list of needs versus wants to stay focused during your home search:

  • Must-haves (e.g., number of bedrooms, location, school district)

  • Nice-to-haves (e.g., large backyard, updated kitchen, extra storage)

5. Work With an Agent Who Educates, Not Just Sells

As a first-time buyer, you deserve a partner who explains the process, answers questions clearly, and advocates for your best interests.

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Home Buying Insights

Timing the Market? Focus on Your Timeline Instead


Trying to buy at the "perfect time" can lead to missed opportunities. The right time is when you’re ready financially and emotionally.

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Inspections Are Critical


Even in a competitive market, we recommend never waiving the home inspection without serious consideration. It protects you from costly surprises.

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Don’t Spend Every Dollar You Have


Keep a financial buffer after your purchase. You may need funds for furnishings, repairs, or emergencies.

Questions to Ask Before You Buy

  • Am I financially and emotionally ready to own?

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  • Do I know what monthly payment I’m comfortable with?

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  • Am I prepared for maintenance and unexpected costs?

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  • What neighborhoods match my lifestyle and needs?

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WORK WITH EVELYN

After carefully listening to your unique needs and expectations, we will develop a concrete plan designed to achieve your real estate goal. Utilizing vast experience, market data, and a personable approach, I will ensure to make the process as seamless as possible and secure the best deal for you and your family.

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