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Ready for a Closing That Feels Like Family?

Whether you’re a first-time buyer in Mid-City or a developer on the Gulf Coast, we’ll guide you home. Schedule your consultation or visit our historic Maple Street office—where every detail matters.

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First-Time Homebuyer FAQs

Buying a home for the first time can feel overwhelming, but having the right information makes the process much easier. Here are answers to some of the most common questions homebuyers ask.


Why should I buy instead of rent?

Renting provides no long-term financial benefit—once you pay rent, that money is gone. Owning a home builds equity, meaning your investment grows over time as property values increase. Homeowners may also qualify for tax deductions on mortgage interest and property taxes. Consult a tax professional for details.


How do I know if I’m ready to buy a home?

You may be financially ready if you can answer “yes” to these questions:

  • Do I have a steady and reliable source of income?

  • Have I been employed consistently for at least two to three years?

  • Do I have a strong history of paying bills on time?

  • Do I have manageable debt and no excessive long-term obligations?

  • Have I saved enough for a down payment and other home-buying expenses?


If so, you may be ready to start the home-buying process.


What is title insurance and why do I need it?

Title insurance protects homeowners from unexpected claims, disputes, and errors related to property ownership. An Owner’s Title Policy covers legal defense and financial losses if an issue arises. A Lender’s Policy only protects the mortgage lender—not the homeowner.


How much money do I need upfront?

Expect to cover three key expenses:

  • Earnest money deposit – A good-faith payment showing the seller you're serious about buying.

  • Down payment – A percentage of the purchase price. Some loan programs require little to no down payment.

  • Closing costs – Fees for title services, appraisals, loan processing, and legal work.


What costs should I budget for besides my mortgage?

Beyond the mortgage, homeowners should plan for:


What’s the difference between pre-qualification and pre-approval?

  • Pre-qualification gives an estimate of how much you may be able to borrow based on basic financial details.

  • Pre-approval is a lender’s official commitment to offer a loan after reviewing your credit, income, and assets.

A pre-approval makes you a stronger buyer when making an offer on a home.


Should I use a real estate agent? How do I find a good one?

A real estate agent can help you find the right home, negotiate deals, and navigate paperwork. To find a good agent:

  • Ask family and friends for recommendations.

  • Look for an agent with experience in your target area.

  • Choose someone who listens to your needs and communicates clearly.

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