Buying your first home is one of life’s biggest steps—and one of the most rewarding.

But let’s be honest: it can also feel like trying to read a road map in the dark. That’s why I’m here. Whether you’re planting roots in South Georgia or looking for a front porch in North Florida, these tips will help you feel more prepared and a lot less stressed.

1. Know What You Can Afford (and Stick to It)

Before you even start browsing listings, figure out your budget. Don’t just look at your monthly mortgage—factor in insurance, taxes, and maintenance too. A good rule of thumb is to keep your housing costs under 30% of your gross income. I help clients every day find a payment they’re comfortable with.

2. Get Pre-Approved, Not Just Pre-Qualified

Pre-approval shows sellers you’re serious and gives you a clear idea of what you can spend. It’s a deeper dive than pre-qualification, involving a review of your credit, income, and debts. It’s also one of the first things we do together when you reach out.

3. Save for More Than Just the Down Payment

Yes, you’ll need some money down (though there are great low- and no-down-payment programs out there), but don’t forget about closing costs, moving expenses, and those unexpected little fixes that pop up in a new home.

4. Explore First-Time Buyer Programs

There are some truly helpful programs designed just for folks like you—especially in rural areas or for veterans. We’ll go over all your options together to make sure you’re not leaving money on the table.

5. Think Long-Term

Look for a home that’ll serve you well for at least 5 years. That could mean space to grow a family, a yard for your dog, or room to work from home. You don’t have to buy your forever home, but you want one that fits your life right now.

6. Don’t Skip the Inspection

Even if the house looks like a dream, always, always get a home inspection. It protects you from costly surprises and gives you peace of mind.

FAQs for First-Time Buyers

Q: How much do I need for a down payment?

A: It depends! Some loans require as little as 3%, and there are options for zero down if you qualify.

Q: Is it okay if my credit isn’t perfect?

A: Absolutely. We’ll take a look at your full financial picture and work toward a plan that fits your goals.

Q: How long does the process take?

A: On average, 30–45 days from accepted offer to closing—but I’ll be with you every step to keep things moving smoothly.

Buying your first home doesn’t have to feel overwhelming. With the right guide—and a whole lot of neighborly support—you can turn those keys with confidence. Let’s take that first step together.

Learn more or start your journey today at www.SpringHenry.com.