"I had no idea how much there was to learn… I would’ve been so lost without you!"
That’s the thing—buying your first home isn’t just exciting… It's overwhelming.
But it doesn’t have to be confusing if you have someone in your corner breaking it all down.
Here are 12 things I walk my clients through before closing—because these are the things most first-time buyers wish they knew sooner:
1. Ask for a rate buy-down—it can shave off hundreds from your monthly payment from the first two years.
2. Compare quotes from different lenders. It won’t hurt your credit if done within 14 days. No more than 3!
3. Keep your closing documents. They will be helpful during tax time.
4. House hunting to closing? Plan for at least 3–4 months.
5. Your monthly payment can increase over time with rising taxes or insurance.
6. Updated kitchens are great—but check the roof, plumbing, and HVAC too.
7. You can negotiate for the seller to cover your closing costs—and I help clients do it all the time.
8. Just because you’re approved for more doesn’t mean you should spend more.
9. New homeowners are often targeted by scams. Always confirm before wiring funds.
10. A lower rate with higher fees could cost more in the long run. Know the full picture.
11. Local first-time buyer programs exist—you just have to know where to look.
12. First mortgage payment skips a month. Close in July, pay in September = a nice breather in case you are still paying rent.
Buying your first home in Northern Virginia? Let’s make it simple and successful. For expert guidance and the best real estate service in Northern Virginia, reach out to Patty Couto today. I’m here to walk you through every step—from first showing to final signature. 🏡✨
