A Guide to Buying Your First Home in 2022

Dated: May 6 2022

Views: 56

Ready to buy your first home in 2022? Toni McCulrey and CB&A Realtors specialize in helping first-time home buyers like you find their dream property.

Before you start searching for homes online, it's important to take the first step to house shopping: Getting pre-approved for a mortgage.

Your pre-approval will tell you what you can afford and what your monthly payment will be, so it's important to determine this before you start searching for your new home.

Pre-approval is good for about 30-90 days, so once you're ready, take these first 3 steps to get it done.

  1.  Contact me, and I’ll send over a list of lenders I know and trust.
  2.  Look over the list, check out online reviews, and ask friends and family for referrals.
  3.  Email 2-3 lenders you like or let me introduce you over email.

Once you've got your pre-approval letter in hand, it's time to start the search!

Before we hop into the home search, I like to advise my clients to create a "Needs" list and a "Wants" list. This will help us to really focus on the things that are most important in your future home.

Needs are the non-negotiable features; the features you simply must have in your next home. Wants are the ones you’d like to have, but you can add or change down the road. Remember, you can’t change the lot or the location so make sure you love both.

Once you've established what you're looking for, I will set you up on a search so you can receive an email the second a home that fits your criteria goes live. If you have any questions about a property, send me the information and I will find out for you. Send me listings you like and I can get more information and set up showings on your behalf.

After touring houses and choosing the one you love, it's time to make an offer. To do this, you'll need your pre-approval letter or proof of funds. You'll also need to make an escrow deposit of at least 1-2% of the purchase price. This will go towards your closing costs at closing.

Have more questions about buying a home or what happens after making an offer? Reach out to me today!

Blog author image

Toni McCurley

Toni is a full-service, full-time experienced Real Estate Agent serving Northwest Harris County and its surrounding communities. As a current resident of Tomball, and having been born and raised in No....

Latest Blog Posts

Morning Person???

Ever wish you could become one of those rare morning people? The ones that wake with a start, feeling refreshed and energized. The ones that get in that morning workout or wrap up some work before

Read More

Is It Smart to Refinance?

Your home mortgage is an important investment in your future, and a mortgage refinance can be a smart move to help you manage your investments when used under the right circumstances. Here are some

Read More

Your Three-Step Guide to Choosing the Right Credit Card

With the seemingly endless variety of credit card options out there, choosing the right one to apply for can be a difficult choice to make. That’s why it’s important to know what steps

Read More

5 Nursery Design Trends

                5 Nursery Design Trends for the Modern Home     One of the most exciting parts of expecting a baby is decorating thenursery.

Read More