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    How To Buy My First Home May 2026

    A pro checks for mold, structural issues, and faulty wiring.

    It’s easy to get distracted by a pretty kitchen. Stay grounded by making a list: how to buy my first home

    Paint colors, carpet, or landscaping (these are easy to change later). 5. Make an Offer and Negotiate A pro checks for mold, structural issues, and faulty wiring

    Avoid making any large purchases (like a new car or furniture on credit) between your pre-approval and closing day, as this can disqualify your loan at the last minute! A pro checks for mold

    While 20% is the gold standard to avoid private mortgage insurance (PMI), many first-time programs allow as little as 3% or 3.5% down.

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    A pro checks for mold, structural issues, and faulty wiring.

    It’s easy to get distracted by a pretty kitchen. Stay grounded by making a list:

    Paint colors, carpet, or landscaping (these are easy to change later). 5. Make an Offer and Negotiate

    Avoid making any large purchases (like a new car or furniture on credit) between your pre-approval and closing day, as this can disqualify your loan at the last minute!

    While 20% is the gold standard to avoid private mortgage insurance (PMI), many first-time programs allow as little as 3% or 3.5% down.

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