First-Time Homebuyer Guide: What You Should Know Before Buying

Buying your first home is exciting, at the same time, it can also feel overwhelming. Understanding the process ahead of time helps you avoid surprises and make confident decisions.

1. Know Your Budget

Before house hunting, determine what you can afford. Factor in your down payment, monthly mortgage payment, closing costs, and ongoing expenses like property taxes and insurance (in your app store download our "Brivity Mortgage Calculator"). Getting pre-approved by a lender gives you a clear price range and strengthens your offer. Reach out to Mortgage Loan Originator and our trusted partner Badal Patel for pre-approval or prequalifying questions.

2. Explore Your Loan Options

First-time buyers may qualify for loan programs with low down payments. Common options include conventional, FHA, VA, and USDA loans. A lender can help you choose what works best for your situation.
Badal is always willing to answer any of your questions. Text or call him at (510) 408-6041.

3. Choose the Right Home

Make a list of must-haves versus nice-to-haves, essentially what you need versus what you want. Focus on location, layout, and long-term needs rather than trying to find a “perfect” home. Think of it as generating wealth now to purchase your "perfect" home later.

4. Work With a Real Estate Professional

An experienced agent helps you find the right home, negotiate terms, and guide you through inspections and closing. Having expert support makes the process smoother and less stressful. Our team listens to your needs and as your advocate we will ensure you understand the contracts, will protect your interests, and ensure you do not get taken advantage of.

5. Final Thoughts

Buying your first home doesn’t have to be complicated. With the right preparation and guidance, you can turn your homeownership goals into reality!