First-Time Home Buying Made Clear
If you’re a first-time home buyer, it’s normal to have questions about financing, affordability, timing, and what the process actually looks like. This page is your starting point.
Instead of repeating a step-by-step walkthrough (that’s what our full guide is for), you’ll find curated resources to help you choose your next best move — whether that’s learning mortgage basics, building a game plan, or getting ready to tour homes.
Quick Start: Where Should You Begin?
Not sure where to begin? These quick-read guides cover the topics first-time buyers ask about most—from financing and down payments to the overall buying process. Explore what matters most to you, then dive deeper when you’re ready.
Find Yourself in the Process
I'm Just Exploring Homeownership
For many first-time buyers, understanding financing is the biggest hurdle. Learning the difference between pre-qualification and pre-approval, what affects affordability, and what documentation lenders typically request can help you feel more prepared.
I’m Ready to Start Touring Homes
Before touring homes, it helps to clarify your budget comfort zone, define your must-haves, and understand how ownership costs extend beyond the monthly mortgage payment.
I’m Preparing to Make an Offer
At this stage, timing and expectations matter. Understanding offer strategy, inspection timelines, and what happens after acceptance can help you prepare for what’s ahead.
Helpful next steps:
How We Help Buyers
If you decide you’d like guidance along the way, our role is simple: To help you buy with clarity, confidence, and support—so you can focus on finding a home worth living in.
No pressure—just a clear look at how we help buyers navigate the process.
Common Questions First-Time Buyers Ask
In Ohio, a first-time home buyer is typically someone who has not owned a home in the past three years. First-time buyers may qualify for down payment assistance, special loan programs, and educational resources designed to make buying a home more affordable.
Pre-approval typically involves a deeper financial review and provides a more accurate picture of what you can afford.
Learn more: Mortgage Services
Not always. Many buyers use down payment options below 20%, depending on loan type and qualifications.
Learn more: Mortgage Services
Once an offer is accepted, you’ll move into inspections, lender steps, and final preparations before closing.
Learn more: Buying Services
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