First-Time Homebuyer Checklist: What You Need to Know

Buying your first home is a huge milestone—and it can feel overwhelming if you don’t know where to start. But with the right guidance and a clear plan, it doesn’t have to be stressful. Whether you're a military family PCSing to San Antonio, a renter ready to stop paying someone else’s mortgage, or simply new to the process, this checklist will walk you through the essentials of becoming a homeowner.

✅ 1. Get Familiar with Your Finances

Before browsing listings, take a deep look at your financial picture.

• Check your credit score
• Calculate your monthly budget
• Save for upfront costs (down payment, closing costs, inspections)
• Reduce or pay down debts to improve your debt-to-income ratio

💡 Tip: Military buyers using a VA loan may qualify for $0 down and no PMI—huge savings!

✅ 2. Get Pre-Approved for a Mortgage

Pre-approval helps define your budget and shows sellers you’re serious.

• Choose a lender experienced with first-time and VA loans
• Compare rates and fees from multiple lenders
• Gather key documents: tax returns, pay stubs, bank statements

📝 Pro Tip: Pre-approval is stronger than pre-qualification—it gives you an edge in competitive markets.

✅ 3. Find a Real Estate Agent You Trust

A great agent can make all the difference. You want someone who understands your goals, knows the local market, and can guide you through every step.

• Look for experience with first-time buyers, military families, and VA loans
• Ask about availability and communication style
• Read reviews or ask for references

📍 In San Antonio? I’d love to be your go-to guide!

✅ 4. Create Your Wish List

List your must-haves and nice-to-haves, then prioritize.

• Bedrooms and bathrooms
• School districts
• Commute time
• Yard size or HOA preferences
• New build vs. resale

🎯 Be flexible—no home is perfect, but the right one will feel just right.

✅ 5. Start the House Hunt

Tour homes with your agent, attend open houses, and take notes.

• Pay attention to layout, condition, and neighborhood
• Check for signs of maintenance issues or repairs
• Imagine yourself living there—can you see it as home?

👀 Virtual tours are a great option for out-of-state buyers and military families on the move.

✅ 6. Make a Smart Offer

Once you find “the one,” it’s time to make a competitive offer.

• Your agent will help analyze market value and comps
• Be prepared for negotiations or counteroffers
• Earnest money may be required to show you're serious

💰 Include contingencies (like inspection or financing) to protect yourself.

✅ 7. Complete Inspections and Appraisal

This step ensures you’re making a sound investment.

• Hire a licensed inspector to assess the home's condition
• Your lender will schedule the appraisal to confirm the home’s value
• Review reports with your agent and negotiate repairs if needed

🛠️ Don’t skip the inspection—it can save you thousands down the road.

✅ 8. Close and Celebrate!

You're almost there!

• Review final loan documents
• Transfer utilities and set your move-in date
• Bring ID and certified funds to closing

🎉 You did it—you’re officially a homeowner! Time to take that “just closed” photo!

Final Thoughts:

Being a first-time homebuyer doesn’t have to be intimidating. With the right plan and the right support, you’ll feel confident every step of the way. And remember, you’re not doing this alone—I'm here to guide you from your first showing to the day you get the keys.

📲 Ready to get started on your homeownership journey in the San Antonio area? Let’s connect today.