First-time home buyers: every step, explained

First, what you can afford. We start with pre-approval, so you know your real number before you fall in love with a house. Then we talk about what you want to spend every month, which isn't always the same thing.

Then, the paperwork, explained. Before I show you homes, we sign a Buyers Representation Document and the state-required disclosures. I'll walk you through every line.

The money you'll need up front. Earnest money is typically about 1% of the sales price, and the option fee usually runs around $150 to $200 for a typical single-family home. Both are held by the title company.

After your offer is accepted. You enter the option period, usually 7 to 10 days. The inspection typically happens in the first 4 days, and I negotiate the repairs for you. Then I follow up with your lender, coordinate the appraisal, walk the home with you before closing, and sit with you at the title company when you sign.

The full version is on how I help you buy.

We just bought our first house and Terri was our agent. My husband and I are 100% satisfied with Terri's service. She made the process to be very easy and smooth, through out the whole process she was always available to give us a tour, answer questions, brainstorm with us, explain all the details about paperwork, down-payment, closing costs, etc. I highly recommend Terri.

Suzana V., bought her first home

Terri helped us purchase our first home last year. She was super helpful and responsive throughout the whole process. Buying a home can be a stressful and tedious process, but Terri made it easy and helped us find the perfect home. If you're in the market for a new home, contact Terri! You won't regret hiring her as your realtor!

Iraq K., bought a first home