First-Time Home Buyer Guide
Everything you need to know about buying your first home in Northern Virginia
The Home Buying Process
Get Pre-Approved for a Mortgage
Before you start looking at homes, get pre-approved by a lender. This tells you how much you can afford and shows sellers you're a serious buyer. I can connect you with trusted local lenders who specialize in first-time buyers.
Define Your Must-Haves
Make a list of what you need vs. what you want. Consider bedrooms, bathrooms, location, commute time, school districts, and outdoor space. In Northern Virginia, location significantly impacts price and lifestyle.
Start Your Home Search
I'll set you up with a personalized property search based on your criteria. We'll tour homes together, and I'll provide insights about each neighborhood, including things you won't find online.
Make an Offer
When you find the right home, we'll craft a competitive offer. I'll advise you on pricing strategy, contingencies, and negotiation tactics based on current market conditions.
Home Inspection & Due Diligence
After your offer is accepted, we'll schedule a home inspection. I'll help you understand the inspection report and negotiate any necessary repairs with the seller.
Close on Your New Home
Work with your lender to finalize your mortgage, complete a final walkthrough, and sign the closing documents. Then you get the keys to your new home!
First-Time Buyer Programs
FHA Loans
Down payments as low as 3.5% with more flexible credit requirements. Great for first-time buyers.
• Lower credit score requirements
• Gift funds allowed for down payment
VA Loans
For veterans and active military. No down payment required and no PMI.
• 0% down payment
• Competitive interest rates
Conventional 97
Put down just 3% on a conventional loan. May have lower PMI than FHA.
• 3% down payment
• PMI cancellation when equity reaches 20%
Virginia Housing (VHDA)
State programs offering down payment assistance and competitive rates for Virginia buyers.
• Down payment assistance available
• First-time buyer education programs
Ready to Buy Your First Home?
I specialize in helping first-time buyers navigate the Northern Virginia market. Let's find your perfect starter home.