Buying your first home is a big deal—and one of the most exciting milestones in life. But it’s easy to get overwhelmed with everything that needs to happen before you even step foot into an open house.
That’s why we put together this essential checklist to help you feel confident, prepared, and in control of your journey. Whether you're buying in Tucson or beyond, these seven steps will set you up for success.
1. Get Pre-Approved for a Mortgage
Before you scroll Zillow or fall in love with a listing, get pre-approved by a lender. This gives you a clear picture of what you can afford—and shows sellers you’re serious when it’s time to make an offer.
Pre-approval is more than just a number—it’s your ticket to shopping smart.
2. Know Your Credit Score
Your credit score plays a big role in your interest rate and loan eligibility. A higher score can save you thousands over the life of your loan.
If your score isn’t where you want it to be, don’t panic! A few simple changes—like paying down debt or correcting errors—can boost it over time. We can help connect you with trusted credit specialists if needed.
3. Budget for More Than the Down Payment
Yes, the down payment is important, but it’s not the only cost. Don’t forget about:
Closing costs (usually 2–5% of the home’s price)
Home inspections and appraisals
Moving expenses
Initial repairs or furniture
Having a cushion can make your move much less stressful.
4. Explore Down Payment Assistance Programs
Good news—there are programs designed to help first-time buyers just like you! In Arizona, there are state, city, and even employer-based programs that can help cover part of your down payment or closing costs.
Not sure where to start? We’ll help you find out what you qualify for and connect you with lenders who specialize in these programs.
5. Define Your Must-Haves vs. Nice-to-Haves
Do you need three bedrooms? Is a big backyard a must? How about location, school district, or a garage?
Make a list of your non-negotiables and your “wish list” items. This will help us narrow down options and focus on homes that fit your lifestyle—and your budget.
6. Choose the Right Real Estate Agent
A great agent is more than someone who opens doors. They’re your guide, advocate, and partner from start to finish.
We specialize in helping first-time buyers, and we love making the process feel simple, smooth, and even fun. From loan referrals to negotiating your offer—we’ve got your back.
7. Understand the Timeline
From your first pre-approval to closing day, the process can take 30 to 60 days (sometimes more). Knowing what to expect—and having someone to walk you through it—can save you from surprises along the way.
We'll keep you informed every step of the way and make sure you always know what’s coming next.
Let’s Make Your First Home a Reality
Buying your first home doesn’t have to be overwhelming. With the right plan—and the right people by your side—you’ll feel empowered and ready.
If you're thinking about buying this year, let's connect for a quick chat. No pressure—just guidance and good advice.
Matthew & Christina Tennyson
REALTORS® | Tierra Antigua Realty
🏠 Equal Housing Opportunity
🌐 www.welcomehometotucson.com