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Buyer's Guide

A Step-by-Step First Time Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

Step 2: Decide on Your Budget

Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

Step 4: Choose a Real Estate Agent

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where my expertise and wealth of knowledge come into play. Let me show you around some homes that meet your dream home criteria so you can find the one that's right for you.

My goal is to provide you with the most personalized service that is designed to help you buy your dream home

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams.

What My Clients Say

Buyer

She was very friendly, knowledgeable, friendly, and very negotiable. She always responded almost immediately whether it was for something serious or just a petty question. She sold me my house, so if that tells you anything els...

Weltzel D.

Nancy is very on top of things whether you are selling or buying. She brings her expertise to the table with her and has the answers to your questions or will find the answer, if not known, as soon as possible for you. It has a...

Buyer

Where do I start with Nancy? She was absolutely wonderful in helping me find the right home for myself and my family. She knew all the answers to my questions in the process of buying a home. And if she didn't know the answer, ...

Crosby D.

Nancy was spectacular to work with! After interviewing a few realtors in town I couldn't have made a better choice. Nancy is very knowledgeable about the market, economic issues, and comps in the area and is on numerous sights ...

Miles D.

I had gone with an alternate real estate company initially and it was not a good experience. I then spoke with Nancy and the process was incredibly smooth from the beginning. She was easy to talk to, knowledgeable, understandin...

John S.

Nancy knows how to get things done. She understands every person she meets has different needs. Our house sold just two weeks after it went to market. I highly recommend Nancy to anybody searching for a new home!

Calley K.

Nancy was great for us. She is so knowledgeable and always quick to respond. She always offered her professional opinion when I asked for it without being too pushy. She knew how stressed we were and picked us up quickly got th...

Buyer

Buying a home can be a lot of stress. Nancy made the process of buying our first home so easy. She was on top of any issues that came up. She was always available for questions. If you are looking for the best around she is the...

Jana G.

Nancy is a wonderful realtor and always finds what you're looking for! She found the house for my husband and me to raise our kids and now two out of three of those have gotten their first home with Nancy’s help!

Sporer S.

We were moving from Virginia to Nebraska with no knowledge of the North Platte area. She went out of her way to accommodate us by showing properties virtually since we could not be there in person. When we were able to fly out ...

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As your trusted real estate advisor, I provide expert support whether you’re buying or selling. My goal is to make your transaction effortless and deliver the results you deserve, with a focus on your unique needs and goals.

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CONTACT DETAILS

NANCY FAULHABER

Phone

(308) 530-1254

[email protected]

Address

102 N Dewey St North Platte NE 69101

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