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First-Time Buyer Guide

Your step-by-step roadmap to homeownership. Track your progress, learn what to expect, and feel confident every step of the way.

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Your Journey

Step 1 of 8

Assess Your Financial Readiness

Understand your budget and get your finances in order before starting your home search.

What to Do

  • 1
    Check your credit score (aim for 680+)
  • 2
    Calculate your total savings for down payment and closing costs
  • 3
    Review your monthly debt obligations
  • 4
    Understand the minimum down payment requirements (5% for homes under $500K)
  • 5
    Budget for additional costs: land transfer tax, legal fees, home inspection

Pro Tips

  • Start saving at least 6-12 months before you plan to buy
  • Pay down high-interest debt first
  • Avoid major purchases or new credit before applying for a mortgage

Ready to take action?

Use our tools to help with this step

Get expert guidance for your journey

A local agent can help you with pre-approval, search, and making an offer.