First-Time Buyer? Here’s What You Should Know in 2025

Buying your first home can feel overwhelming — but it doesn’t have to be. With the right guide (hi 👋), you can avoid common mistakes and secure a home that fits your life and your budget.

Here’s what’s different in 2025:

Higher home prices: Yes, appreciation has continued — but programs exist to help first-time buyers compete.

Creative loan programs: 3% down? No PMI? Rate buydowns? They’re real — and available.

Tech-enabled closings: Closing from your phone isn’t a fantasy anymore.

Top tips:

Know your credit score and fix it now. A 20-point bump could mean thousands in savings.

Get pre-approved before shopping. Sellers take you seriously — and so will we.

Ask about down payment assistance. Many local and state programs offer grants.

First home? Let’s make sure it’s the smartest financial decision you ever make.