Are You Looking to Purchase your First Home?

There's nothing like helping someone find their very first home. Guiding first-time buyers through the process, from that first showing to move in day, is one of the most rewarding parts of what we do at Infinity Real Estate Group.

If you are thinking about buying your first home in the Greater Sacramento area, here are a few key things to know before you start your home search.

1. Work With One Dedicated Real Estate Agent
When you're buying your first home, it's important to have one trusted guiding you through the entire process. Your agent will get to know your needs, preferences, and goals, and will advocate for your best interest from the first showing to the closing table. 

Keep in mind that the agent listed on a "For Sale" sign represents the seller, not you, As your buyer's agent we represent you, negotiating on your behalf and ensuring you get the best possible terms. 

And here's the best part: in most cases, the seller pays your agents commission, so you get professional representation at no additional cost to you. Still, it's smart to meet with a few agents before choosing the one who feels like the right fit for your family and goals. 

2. Get Pre-Approved Before You Start Looking
Unless you're paying cash, the first real step toward homewonership is getting pre-approved for a mortgage. This gives you a clear idea of what you can comfortably afford and helps you avoid falling in love with homes that are outside your budget. 

A lender will walk you through:
- How much you can borrow
- Your estimated monthly payment
- Expected closing cost
- What to do (and not do) with your finances during the process

Having your pre-approval letter ready also gives you a competitive edge in Sacramento's fast-moving market, so when the right homes comes along, you're reasy to make a strong offer.

Need helt finding a truste lender? We're happy to recommend local professionals who have provided excellent service to our clients.

3. Understand the Up-Front Costs
Once you find "the one" and your offer is accepted, you'll make an earned money deposit, often between 1%-5% of the purchase price. This shows the seller you're serious about your offer and is credited toward your purchase at closing. 

You'll also need to plan for a few up-front expenses, including:
- Home inspection: A licensed inspector will evaluate the property's condition. Costs vary based on size and age but are typically a few hundred dollars, paid at the time of service.
-  Specialized Inspections (if needed): For example, HVAC, Pest, or roof inspections based on what's found during the initial inspection.
- Appraisal and survey: Usually paid at closing, but occasionally charged earlier if required by your lender.

These steps are all about protecting your investment and ensuring you're confident in your purchase.

4. You Don't Have to Do It Alone
From pre-approval to closing day, Infinity Real Estate Group will guide you every step of the way. We'll help you understand your options, connect you with trusted local lenders and inspectors, and make the journey as smooth and stress-free as possible.

Ready to get starte on your home journey?
Contact me today - let's make homeownership happen for you!