7 Things Every First-Time Home Buyer Should Know in 2025
Buying your first home is a big deal—and it should feel exciting, not overwhelming. Whether you're tired of renting or ready to put down roots, these 7 tips will help you approach the process with confidence and clarity.
1. Get Pre-Approved Early
Before you start scrolling listings or booking tours, get pre-approved for a mortgage. It shows sellers you're serious and gives you a clear picture of your budget. In competitive markets like San Francisco, pre-approval can be the difference between winning and losing a home.
2. Know Your Numbers
Don’t just focus on the down payment—factor in closing costs, property taxes, homeowners insurance, and HOA fees if applicable. A good rule of thumb is to keep your monthly housing costs under 30% of your gross income.
3. Prioritize Must-Haves vs. Nice-to-Haves
No home is perfect. List out your non-negotiables (like location, layout, or parking), and be flexible on things that can be changed or upgraded later (like countertops or paint colors).
4. Don’t Skip the Inspection
Even new or newly renovated homes can have hidden issues. A thorough home inspection helps you avoid surprises—and can give you leverage to negotiate repairs or credits.
5. Think Long-Term
Ask yourself: Can I see myself living here for the next 5–7 years? Even if this isn’t your “forever home,” real estate is most often a long-term investment.
6. Choose the Right Agent
A great agent makes a world of difference. Look for someone who listens, educates, and advocates for you. You want a guide who knows the market and has your back every step of the way.
7. Trust Your Gut—But Back It Up With Data
Emotions will be involved (and that’s okay!), but make sure your final decision is rooted in solid research, market insight, and financial readiness.
Ready to start your home buying journey?
If you’re a first-time buyer looking for guidance that’s both knowledgeable and approachable, I’d love to help. Let’s connect and talk next steps.