Start your homeownership journey with a budget, including taxes, insurance, maintenance, and closing costs.
Focus on a starter home; only 3–5% down may secure a $400,000 property.
Work with experienced brokers and explore first-time buyer programs to reduce upfront costs.
Negotiate prices on homes listed over 30 days; consider cosmetic fixes over expensive repairs.
Build equity by staying 2+ years, paying recurring costs, and budgeting for ongoing expenses.