Buying your first home doesn’t have to be overwhelming. Whether you’re house hunting in King, Pierce, Snohomish, or Thurston County, here are the essentials every first-time buyer should know before getting started.

**1. Check your credit first.** Your credit report affects your loan options and interest rate. Review it early so you have time to fix errors or pay down balances.

**2. Don’t assume you need 20% down.** Many loan programs allow much smaller down payments, and assistance programs are available to first-time buyers in King, Pierce, Snohomish, and Thurston counties to help cover the gap.

**3. Get pre-qualified before you shop.** Pre-qualification shows you a realistic price range and signals to sellers that you’re serious.

**4. Budget beyond the mortgage.** Factor in property taxes, insurance, maintenance, and HOA fees if applicable.

**5. Learn the full timeline.** From financial prep to pre-approval, house hunting, offers, inspections, and closing — knowing what’s next reduces stress.

**6. Take a homebuyer education course.** Often free, these courses help buyers understand loan terms and navigate the process with more confidence — with in-person and online options available to residents across King, Pierce, Snohomish, and Thurston counties.

Preparation beats speed. Strengthening your credit and understanding your options before you start looking leads to smoother transactions and fewer surprises.

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## FAQ

**How much down payment do I need as a first-time homebuyer?**
It depends on the loan program. Many options allow down payments well below 20%, and first-time buyer assistance programs can help cover part or all of that cost.

**What credit score do I need to buy a house?**
Requirements vary by lender and loan type, but reviewing your credit report early lets you address any issues before applying. Talk with Jody Tiedeman, Senior Mortgage Consultant, NMLS 582996 at NewRez Home Loans to get started: 253.988.0894 or jody.tiedeman@newrez.com.

**Is a homebuyer education course worth it?**
Yes — these courses (often free) cover budgeting, mortgage basics, and the closing process, helping buyers make more informed decisions. You may qualify for down payment assistance to save you thousands of dollars.

**What’s the first step in buying a home?**
Start by reviewing your finances — credit, savings, and monthly budget — before you begin house hunting. Talk with Jody Tiedeman, Senior Mortgage Consultant, NMLS 582996 at NewRez Home Loans to get started: 253.988.0894 or jody.tiedeman@newrez.com.

**How long does the homebuying process take?**
Timelines vary, but a typical path from financial preparation to closing can take a few months, depending on financing and market conditions.

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