Becoming a Homeowner

Taking control of your finances is a crucial step toward becoming a successful homeowner. Maintaining a strong credit history, saving for a down payment and closing costs, and planning for ongoing expenses like utilities (water, gas, electricity, etc.) are essential aspects to consider. With preparation and financial discipline, you'll join the many first-time and repeat buyers who achieve their dream of homeownership every day. Your journey is well underway!

You’ve already taken the first step by being here! Now, it’s time to choose a REALTOR® with a proven history of successfully helping both buyers and sellers. To find the right fit, check out their social media profiles, Zillow reviews, and personal websites to learn more about their experience and approach. Look for someone who communicates clearly, responds promptly, and makes you feel like your goals are their top priority every step of the way.

Many homebuyers jump into house hunting without first consulting a local bank, mortgage company, or lender. Purchasing a home is likely one of the biggest financial decisions you’ll ever make. Unless you’re paying cash, it’s essential to ensure you're focusing on homes within your budget. A lender can guide you in understanding your options and finding a mortgage that aligns with your financial goals, giving you confidence as you move forward in your search.

Now comes the exciting part—creating your wish list! Start by jotting down your 'must-haves' and 'nice-to-haves.' Consider factors like location, neighborhoods, schools, commute to work, and proximity to friends and family to help narrow your focus. While Hampton Roads has many fantastic cities, targeting specific areas will make your search more manageable. Next, think about the features you’d love in a home—such as a garage, yard, privacy fencing, one-story or two-story layout, or even a pool. While it’s great to have a clear vision, try to stay flexible. Your perfect home may require a few personal touches to truly make it your own!