By: Michelle Hougland

Buying a home, especially your first one, can be an exciting life milestone. The idea of owning your dream home is thrilling, but the process can quickly become overwhelming once you realize there's more to it than just finding a beautiful property.

To help make your journey smoother, we’ve put together a helpful guide for first-time homebuyers:

1. Partner with a Trusted Realtor

Working with an experienced real estate agent opens the door to a wide range of available properties, whether you’re looking for a single-family home, apartment, or duplex. Realtors not only help match you with homes that meet your criteria, but they can also assist you in connecting with mortgage lenders and navigating the buying process.

2. Set a Realistic Budget

Establishing a budget is one of the most important first steps. Knowing your financial limits helps narrow your search and ensures long-term affordability. A lender can provide a pre-qualification amount, giving you a clearer picture of what you can comfortably spend on your new home.

3. Tour Homes Strategically

Once you have a shortlist of potential properties, start scheduling viewings or attending open houses. To make the most of your time, organize visits by area. Dedicate a whole day to each location to minimize travel and avoid bouncing from one neighborhood to another.

4. Compare Mortgage Loan Offers

Don't settle for the first mortgage offer you receive. Shop around and compare rates, fees, closing costs, and taxes. Understanding the full cost of a loan helps you make a well-informed decision and could save you money in the long run.

5. Consider a Home Warranty

A home warranty can provide peace of mind by covering repair or replacement costs for major systems and appliances. Many plans are valid for 12 months from your closing date and can be a valuable safety net for new homeowners.

Buying a home can be a rewarding experience, especially when you have the right team by your side. At City Bank Mortgage, we offer a variety of loan programs tailored to every type of homebuyer. Our friendly and knowledgeable loan officers are here to guide you every step of the way and ensure you feel confident in your decisions.

Visit any of our convenient locations in Abilene, Arlington, College Station, Dallas, El Paso, Forney, Lubbock, Plano, or Southlake. Or contact us today to learn more about how we can help make your dream home a reality.