FIRST-TIME HOMEBUYERS

Your first home starts with a plan.

From preparing your finances to understanding closing day, we help you make sense of the homebuying process.

THE ROADMAP

Six steps toward homeownership.

Review your budget, credit, savings, and monthly payment comfort level.

Learn about mortgage types, eligibility, and potential assistance programs.

Gather income, employment, asset, and identification documents as requested.

Work with a real estate professional and understand your target price range.

Expect underwriting, appraisal and title steps, and requests for additional information.

Review final figures and documents, arrange required funds, and ask questions before signing.

KNOW THE COSTS

Your budget may also need to account for closing costs, property taxes, homeowners insurance, mortgage insurance, moving costs, and maintenance.

Some buyers may qualify for down payment assistance, depending on location and program requirements.