Skip to main content
A home buying checklist for first time buyers

A home buying checklist for first time buyers

Posted by Heartland on 2nd Jan 2023

Did you know that around 26% of homebuyers in the United States are buying a house for the first time? Buying a home allows you to invest in your future, control your monthly living expenses, and design your space.

There are many benefits to buying a house, but the process can be intimidating for first-time homebuyers. You have to work on your credit, save money for a down payment, deal with the paperwork, and pay homeowner fees.

Are you looking for the ultimate home-buying checklist? If so, keep reading to learn how to buy a home.


One of the first things you should do once you decide to buy a home is to check your finances. You will need to save up enough money for a down payment and make sure you can afford the monthly mortgage.

In addition to saving up enough money, you also should check your credit score. The average American has a credit score of 716. Your credit score will impact how much of a loan you qualify for and your interest rate.

If your credit score is low, consider improving it before buying a house. To boost your credit score, you can pay off delinquent accounts, reduce credit card debt, and pay your bills on time.


Once your finances are in order, you can start looking for a mortgage lender. Getting pre-approved for a mortgage gives you an idea of how much you can spend on a house.

To choose the best mortgage lender, you should compare the different types of lenders, interest rates, and home closing fees. You also should consider their customer service and online reviews.


If you want to make the home-buying process less stressful, you should consider hiring a real estate attorney. A real estate agent can help you find the right house, negotiate with the seller, and sign the paperwork.

To find a real estate agent, ask your family and friends for recommendations. Look for a real estate agent with good online reviews, communication, and experience.


One of the most exciting parts about buying your first home is searching for the perfect house. To find the right property, consider your budget and where you want to live.

Depending on your preferences, the right location could be close to your job, stores, or the gym. The neighborhood will also determine the long-term value of the home.

In addition to location, you also should consider size, age, and potential issues. If you have to invest in a new roof or HVAC system, you could end up spending more money than expected.


Buying a house allows you to invest money, have your own space, and avoid increasing rent prices. If you are ready to buy your first house, keep this home-buying checklist in mind.

Are you ready to buy your first house? If so, check out our title insurance policies to get started today.