Posts from December 2nd, 2025

First‑time buyers are a vital part of our market, and preparation is your superpower. Start with a clear budget and an underwritten pre‑approval so you know your real purchasing power. Explore loan options (FHA, VA if eligible, and Conventional) with a local lender who understands our coastal insurance landscape. Some state and local programs may offer down‑payment or closing‑cost assistance—eligibility varies by income, price, and location.

Next, map your total monthly cost: mortgage, taxes, insurance (wind and flood if needed), and any HOA or condo dues. This all‑in number guides smart home selection. Expect to budget an additional 2%–5% of the purchase price for closing costs and prepaids.

When you shop, prioritize condition and insurance‑friendliness (roof age, wind protections) alongside location and layout. Write offers with realistic timelines for inspection, appraisal, and loan approval. If the home needs updates, ask your lender about renovat...

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