Are You A First-Time Homebuyer?

First-Time Homebuyer Video Resources

First-Time Home Buyer Advice
You can’t know everything there is to know about buying a home, especially when you’re a first-time homebuyer.
How much down payment do I need for a house?
Many first-time homebuyers believe they have to put 20 percent down on a home. But that’s far from true.
Why do people say you need 20% down?
Average down payments are well under 20 percent. So why do so many people say 20 percent down is the minimum.
How to choose a mortgage lender as a first time home buyer
One of the biggest mistakes first-time homebuyers make is not shopping around for a mortgage.
What credit score do you need to buy a house for the first time?
Most loan programs require a credit score of 620 or higher to buy a house for the first time. That includes conventional loans, most VA loans, and USDA loans (which require 640+).
What qualifies you as a first-time buyer?
If you’re buying your first-ever home, you’re a “first-time homebuyer” by default.
Do I need a home inspection?
Some loan types, like the FHA and VA mortgage programs, require a home inspection to make sure the home meets requirements for safety and affordability.
What are points? How do I know if I should buy them or not?
A point is simply 1 percent of the loan amount. If you choose to “buy your rate down,” or pay “discount points,” you will get a lower interest rate.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is an insurance policy that makes homeownership possible for homebuyers who don’t want to make a 20 percent down payment.
Are you thinking about buying? The video resources below cover many of the common questions that most people have during the home buying journey.
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Just Listed
The best properties usually don’t stay on the market very long. Below is a list of properties that just became available for sale. This is where many active buyers find their dream home!
Price Reductions
The best way to get a great deal on a new property is by buying at the best price possible! Below is a list of properties where the sellers have decided to drop their asking price. This usually means that the homeowner is motivated to sell the property and move on.
Perry Street District
One of Elise's personal favorite neighborhoods in Spokane is ?????????? ??????????!! When her husband first moved to Spokane he lived in the heart of the area & they fell in love with the community’s walkability and charm. They spent many evenings hopping on Lime scooters and scootin’ around to all the local restaurants and shops. Here’s a few of our fav spots: @southperrylantern @southperrypizza @wellness_tree @meetinghousecafes @thegrainshed @perrystreetbrew @the_shop_on_perry And don’t forget to check
The South Hill - Spokane Neighborhood Highlight
One of Katie's personal favorite neighborhoods in Spokane is the south hill, specifically, Manito and the surrounding neighborhoods!! From growing up on the south hill to visiting it as an adult some of her favorite memories will always be held in these neighborhoods and parks. Whether it was learning to ride her bike through Duncan gardens, feeding the ducks with her siblings or running through the leafy lined neighborhoods, this place is something magical. And now as an adult getting to enjoy the neighbor

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