Finding Homes That Are Not On Market

First-Time Homebuyer Video Resources

First-Time Home Buyer Advice

You can’t know everything there is to know about buying a home, especially when you’re a first-time homebuyer.

How much down payment do I need for a house?

Many first-time homebuyers believe they have to put 20 percent down on a home. But that’s far from true.

Why do people say you need 20% down?

Average down payments are well under 20 percent. So why do so many people say 20 percent down is the minimum?

How to choose a mortgage lender as a first time home buyer

One of the biggest mistakes first-time homebuyers make is not shopping around for a mortgage.

What credit score do you need to buy a house for the first time?

Most loan programs require a credit score of 620 or higher to buy a house for the first time. That includes conventional loans, most VA loans, and USDA loans (which require 640+).

What qualifies you as a first-time buyer?

If you’re buying your first-ever home, you’re a “first-time homebuyer” by default.

Do I need a home inspection?

Some loan types, like the FHA and VA mortgage programs, require a home inspection to make sure the home meets requirements for safety and affordability.

What are points? How do I know if I should buy them or not?

A point is simply 1 percent of the loan amount. If you choose to “buy your rate down,” or pay “discount points,” you will get a lower interest rate.

What is Private Mortgage Insurance (PMI)?

Private Mortgage Insurance (PMI) is an insurance policy that makes homeownership possible for homebuyers who don’t want to make a 20 percent down payment.

Finding Homes That Are Not On Market

Hello and welcome to Real Broker, LLC! My name is Alex, and I'm here to guide you through the thrilling journey of purchasing your first home. Whether you're filled with excitement, a bit of apprehension, or a mix of both, rest assured, you're in good hands.

Understanding the Market

The first step in your home-buying adventure is understanding the market. It can seem daunting, but with a discerning eye and expert guidance, you'll soon be navigating like a pro. Begin by researching current home prices in areas you're interested in, assessing how these fit within your budget, and understanding local trends that could affect your purchase.

Financing Your Dream Home

One of the most important aspects of buying your first home is securing financing. With various loan options available, from conventional mortgages to FHA loans, identifying what best suits your financial situation is crucial. Be sure to get pre-approved to streamline your search—you’ll know exactly how much house you can afford, and sellers will see you as a serious buyer.

Finding the Perfect Property

Here at Real Broker, LLC, we believe in matching clients with their perfect properties by leveraging our extensive market knowledge and innovative strategies. Consider your needs both now and in the future. Think about location, size, amenities, and the time you plan to spend in your new home. A clear vision helps us pinpoint properties that meet your criteria.

The Role of Real Broker, LLC

At Real Broker, LLC, we prioritize personalized service, ensuring you feel supported and informed throughout your real estate journey. Our commitment to transparency and integrity means you can trust us to have your best interests at heart. We'll help you navigate offers, counteroffers, and all the fine print, ensuring a smooth and rewarding process.

Closing the Deal

Once you've found your home, the next step is making an offer. This can be a competitive process, but with strategic guidance, your offer will stand out. We'll assist in negotiations to secure the best possible terms for your new home. After acceptance, there’s still paperwork, inspections, and coordinating with lenders—but don’t worry, we’ll walk you through each step until closing day.

Enjoying Your New Home

Finally, the most rewarding part—moving into your new home. Remember, this is just the beginning of a new chapter. Building a home is more than just bricks and mortar; it's about creating memories and investing in your future.
Embark on this journey with confidence, and let us at Real Broker, LLC be your trusted partner. Discover the difference of working with professionals who genuinely care about your homeownership goals. Welcome to your future!

REAL Broker LLC

@RealEstate

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Have questions about buying, selling, or simply exploring your options? Fill out the form below, and our team will be in touch to provide guidance and support—no matter where you are in your real estate journey.