First-Time Buyers
First-time home buyer guide, done right.
The most comprehensive resource for first-time home buyers — from credit prep and pre-approval to inspection, negotiation, and closing. Every agent in our directory is license-verified and experienced with first-time buyer education.
Find a buyer's agent →01
Credit-score optimization and down-payment assistance program matching.
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Pre-approval letter strategy to strengthen offers in competitive markets.
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Buyer-representation agreements that protect your earnest money and inspection rights.
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Closing-cost breakdowns, lender shopping, and title review handled step by step.
Browse every real-estate specialty
RealtorsLicensed residential agents and Realtors.BrokersReal-estate brokers and brokerage principals.Luxury AgentsSpecialists in high-end and luxury properties.Commercial AgentsOffice, retail, industrial, and investment property.Property ManagersResidential and commercial property management.Mortgage ProfessionalsLoan officers, mortgage brokers, and lenders.Real-Estate AttorneysClosings, title, contracts, and disputes.Home InspectorsPre-purchase and pre-listing inspections.
Frequently asked questions
- How much down payment do first-time buyers need?
- Conventional loans require as little as 3% down, FHA loans start at 3.5%, and VA/USDA loans offer 0% down for qualifying buyers. However, 20% down eliminates PMI and strengthens offers in competitive markets. Your agent can recommend the right structure based on your credit, savings, and target price range.
- What credit score do I need to buy a home?
- Most lenders want at least 620 for conventional loans and 580 for FHA. Scores above 740 unlock the best rates. If you're below 620, a buyer-specialist agent can connect you with credit-repair resources and down-payment assistance programs.
- Should I get pre-approved before house hunting?
- Absolutely. Pre-approval validates your budget, signals seriousness to sellers, and shortens closing timelines. In multiple-offer situations, sellers rarely consider offers without a pre-approval letter attached.
- What closing costs should I budget for?
- Plan for 2-5% of the purchase price in closing costs — lender fees, title insurance, inspections, appraisal, prepaid taxes, and insurance. Some buyer agents negotiate seller credits toward these costs.