First-time homebuyer checklist

1. Check your credit. Pull your reports free at annualcreditreport.com and dispute errors early.
2. Set a budget. Use our affordability calculator, then talk to us about what payment feels comfortable, not just what you qualify for.
3. Save for costs beyond the down payment. Plan for closing costs, inspections, moving, and a cushion.
4. Get pre-approved. Sellers take verified pre-approvals seriously.
5. Pick an agent. A local agent who knows your market is worth it.
6. Shop for homes. Keep your budget and must-haves in front of you.
7. Make an offer and order an inspection.
8. Respond to document requests quickly. This is the biggest factor in closing on time.
9. Don't open new credit or change jobs before closing without talking to us first.
10. Review your Closing Disclosure and close.

Ask about first-time buyer options like FHA, and state and local down payment assistance programs where available.

By Rollin Gosney, NMLS #1775528