First-time buyer hub

Your roadmap to a first home.

Buying your first home is a big step. This guide breaks the journey into clear milestones — from checking your credit to getting the keys.

Plan for a down payment AND closing costs, which typically add 2–5% on top of the down payment.

Know your budget before you shop. A quick pre-qualification checks your income, credit range, and debt.

Work with an agent who knows your target area, and don't max out your pre-qualified amount.

Inspection, appraisal, underwriting, and signing. We'll help match you with lending partners who can guide you through it.

What first-time buyers should know

Check your credit reports for errors before applying.
Keep credit utilization low and avoid new credit lines before house-hunting.
Explore first-time buyer programs: FHA, VA, USDA, and some state/local assistance programs.
Budget for taxes, insurance, maintenance, and HOA fees — not just the mortgage payment.
A pre-approval letter makes your offer stronger than a pre-qualification alone.

For a deeper walkthrough — including credit tips, down payment strategies, and what to expect at closing — read our First-Time Homebuyer Guide.

Answer a few questions and get matched with lending partners in our network who work with first-time buyers.