10 Mistakes First-Time Buyers Make (and How to Avoid Them)

Buying your first home is an exciting adventure — but it can also feel overwhelming, especially if you're navigating a military PCS move or transitioning from renting. As a real estate agent who specializes in helping first-time buyers, military families, and renters become proud homeowners, I’ve seen where many people stumble (and how to help them succeed).

Let’s break down the 10 most common mistakes first-time buyers make — and how you can avoid them!

1. Not Getting Pre-Approved First

Why it’s a mistake: Without a pre-approval, you don't really know your true budget — and sellers may not take your offer seriously.
How to avoid it: Connect with a trusted lender early. A pre-approval gives you a clear picture of what you can afford and strengthens your negotiating power.

2. Underestimating the Total Costs of Buying

Why it’s a mistake: It’s not just your down payment! Closing costs, inspections, moving expenses, and setting up utilities all add up.
How to avoid it: Plan for these extra costs from the beginning. I always walk my clients through a realistic budget so there are no surprises at closing.

3. Skipping the VA Loan or First-Time Buyer Programs

Why it’s a mistake: Many military families and first-time buyers miss out on zero-down payment options, lower interest rates, or grants that can save thousands.
How to avoid it: Work with an agent (like me!) who understands VA benefits and first-time homebuyer programs available in your area.

4. Falling in Love with the First House You See

Why it’s a mistake: Emotional buying can cloud judgment.
How to avoid it: Stay objective. Make a pros and cons list, and view several homes before making a decision — even if you think you’ve found "the one."

5. Ignoring Future Resale Value

Why it’s a mistake: Your "starter home" may not be your forever home.
How to avoid it: Look at location, school districts, and long-term value — not just your immediate needs. I'll help you choose a home that's a smart investment and a great place to live.

6. Making Major Financial Changes Before Closing

Why it’s a mistake: Buying a car or opening new credit cards during escrow can derail your mortgage approval.
How to avoid it: Hold off on any big purchases or job changes until after you’ve closed on your home.

7. Skipping the Home Inspection

Why it’s a mistake: Hidden issues like foundation problems, faulty wiring, or HVAC issues can cost thousands later.
How to avoid it: Always get an inspection — even if the home looks perfect. Protect your investment.

8. Not Understanding the PCS Timeline

Why it’s a mistake: For military families, timing is everything. Delays can lead to extra housing costs or complications with orders.
How to avoid it: Plan ahead and work with an agent experienced in PCS moves (hello, that’s me!) who can help you stay aligned with your reporting dates.

9. Overstretching Your Budget

Why it’s a mistake: "House poor" is real — and stressful.
How to avoid it: Buy a home that fits comfortably within your budget. I’ll help you find homes that meet your needs without maxing out your finances.

10. Going It Alone

Why it’s a mistake: Real estate contracts, negotiations, and timelines can get tricky fast.
How to avoid it: Partner with a knowledgeable, caring agent who will guide you through the entire journey — not just the search. My mission is to make this process smooth, exciting, and successful for you.

Final Thoughts

Buying your first home — whether you're PCSing, leaving behind renting, or planting roots for the first time — is a major milestone. You deserve a guide who gets it, who listens to your needs, and who knows how to navigate every twist and turn along the way.