{"id":11064,"date":"2023-08-17T07:43:42","date_gmt":"2023-08-17T13:43:42","guid":{"rendered":"https:\/\/www.richmondamerican.com\/agent-blog\/?p=11064"},"modified":"2025-08-08T11:59:51","modified_gmt":"2025-08-08T17:59:51","slug":"questions-for-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/","title":{"rendered":"Questions for First Time Home Buyers"},"content":{"rendered":"\n<p>As a real estate professional, you\u2019re probably well aware of the potential equity and tax benefits renters could be missing out on, but they might not understand them. That\u2019s why some renters who could benefit today from homeownership still remain on the fence. Even when they decide to jump in the market, everything about the homebuying process is entirely new. That\u2019s why first time home buyers need professional advocates like you, and we\u2019re here to help put a plan of action together. Following are six points to get you started, beginning with some questions for first time home buyers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Help determine if they\u2019re a good fit for homeownership.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Questions for first time home buyers\u2026 <\/h3>\n\n\n\n<ul>\n<li>Do you have a two-year employment history?<\/li>\n\n\n\n<li>Do you have a record for paying bills on time?<\/li>\n\n\n\n<li>Can you afford to make payments on outstanding debts, such as school or car loans?<\/li>\n\n\n\n<li>Do you have money saved or can you get a gift for your down payment and closing costs?<\/li>\n\n\n\n<li>Can these funds be verified in a bank account?<\/li>\n\n\n\n<li>Do you have the ability to pay a mortgage payment every month, plus additional expenses?<\/li>\n<\/ul>\n\n\n\n<p><em>If they can answer \u201cyes\u201d to these questions, they may be ready to move forward!<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Help them understand the benefits of homeownership.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Stable housing costs<\/h3>\n\n\n\n<p>While monthly rent payments build profit for the landlord, mortgage payments can build equity for the homeowner\u2014plus possible tax advantages! For those who choose a fixed-rate mortgage, principal and interest payments are fixed for the life of the loan, a clear advantage over rental market fluctuations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Personalization<\/h3>\n\n\n\n<p>Even if the landlord lets renters paint and make other alterations, it\u2019s hard to justify spending the cash to update a house or apartment that isn\u2019t theirs. Homeownership changes all that. Get your clients excited about the opportunities they\u2019ll have to express their personality with paint, window coverings, landscaping and more. And if they buy a brand-new home, they might be able to make design choices from the very beginning\u2014possibly with the option of rolling the cost of new home selections into their monthly payment!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Moving on their timeline<\/h3>\n\n\n\n<p>Renting always comes with the risk that the landlord will want to sell the property, forcing the renters out at the end of their lease. Homeowners have the peace of mind that they can stay until they\u2019re ready to sell.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Help debunk these common myths.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">They must have a 20% down payment<\/h3>\n\n\n\n<p>Fact: Qualified borrowers may secure a home loan with only 5% down. Many might pay as little as 3% with a Conventional loan and 3.5% with an FHA loan. Those eligible for a VA loan may not need to pay anything down. Remind your clients that <a href=\"https:\/\/www.richmondamerican.com\/blog\/can-my-family-help-me-finance-a-new-home\/\" target=\"_blank\" rel=\"noreferrer noopener\">gift funds<\/a> from family members can typically be used toward a down payment, making homeownership even more attainable!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">They need a near-perfect credit score<\/h3>\n\n\n\n<p>Fact: It\u2019s still possible for your clients to qualify for a home loan with a mid-level score. And there are a couple things that could help offset a less-than-stellar credit history, such as having a low debt-to-income ratio and offering a larger down payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">New homes aren\u2019t attainable for first-timers<\/h3>\n\n\n\n<p>Not only are new homes typically priced to be competitive with resale homes in the area, but some builders have product lines designed to appeal to first time home buyers. Take our <a href=\"https:\/\/www.richmondamerican.com\/campaigns\/364\" target=\"_blank\" rel=\"noreferrer noopener\">Seasons\u2122 Collection<\/a>. These floor plans offer smartly designed living spaces and a price point that\u2019s attainable for a variety of buyers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Help get their credit in order.<\/h2>\n\n\n\n<p>This is an important step before they apply for a home loan. Credit scores help lenders determine whether loans will be approved, as well as what interest rates they\u2019ll offer a home buyer. <strong>Have them follow these steps before filling out a home loan application:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Check credit reports<\/h3>\n\n\n\n<p>Even if your clients think they have great credit, errors on reports may be lowering their score. Make sure they get a separate report from all three major credit reporting companies, because they collect information separately and may report different errors. By law, they\u2019re entitled to a free report from each credit bureau annually. To request credit reports, direct them to <a href=\"http:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">annualcreditreport.com<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Keep old accounts open<\/h3>\n\n\n\n<p>Closing old credit card accounts can affect credit scores negatively in two ways. First, it can shorten the average account age, making home buyers look less reliable to lenders. Second, closing accounts reduces the debt-to-credit ratio, making any balances clients have appear larger in proportion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hold off on major purchases<\/h3>\n\n\n\n<p>Tell clients to hold off on purchasing that new TV. While increasing debt affects credit scores, keeping money in savings is also important. Mortgage lenders may see your clients as less of a risk if they have a cash reserve to get through tough times.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Don\u2019t apply for new credit cards or loans<\/h3>\n\n\n\n<p>Although using credit cards responsibly may improve credit, opening new accounts shortly before or during the mortgage application process can lower the average account age and result in a lower overall score. Increasing debt during this timeframe with new loans for items like cars and furniture can also negatively affect your clients\u2019 credit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Help them pre-qualify.<\/h2>\n\n\n\n<p>Pre-qualifying can be an easy way to determine how much your clients are able to borrow. Whether they submit information on line or by phone, they\u2019ll need to have the following items handy:<\/p>\n\n\n\n<ul>\n<li>Most current 30-day pay stub<\/li>\n\n\n\n<li>All asset information (recent two-month checking\/savings account info, retirement funds, stocks, bonds, etc.)<\/li>\n\n\n\n<li>Creditor information (credit card statements, auto loan statements, etc.)<\/li>\n\n\n\n<li>Dates of employment; address and phone number of current and previous employers<\/li>\n\n\n\n<li>Two years\u2019 W-2s<\/li>\n\n\n\n<li>Rental information for the last two years (if applicable)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">6. Help manage wish list expectations.<\/h3>\n\n\n\n<p>With their finances in order and pre-qualification out of the way, your clients are down to the fun part: shopping for their first home! But it\u2019s important to help manage expectations. It can be easy for first-time buyers to assume they\u2019ll get everything on their wish list, without realizing that flexibility and a certain amount of compromise are often part of the process. Once they get their wish list items down in writing, work with them to prioritize what\u2019s most important. For example, is living near a certain school more important than having a 3-car garage? If they understand beforehand which they\u2019d choose if both weren\u2019t an option, it could help streamline the process down the road.<\/p>\n\n\n\n<p><em>For a more extensive roadmap, check out our <\/em><a href=\"https:\/\/www.richmondamerican.com\/Campaigns\/6\" target=\"_blank\" rel=\"noreferrer noopener\"><em>First time Homebuyer Guide<\/em><\/a><em>! Share it with your clients.<\/em><\/p>\n\n\n\n<p>You may also be interested in:<\/p>\n\n\n\n<ul>\n<li>Earnest Money Vs. Down Payment: How To Educate Your Clients<\/li>\n\n\n\n<li><a href=\"https:\/\/www.richmondamerican.com\/agent-blog\/managing-expectations-during-your-clients-home-search\/\" target=\"_blank\" rel=\"noreferrer noopener\">Managing Expectations During Your Client\u2019s Home Search<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.richmondamerican.com\/agent-blog\/build-vs-buy-lower-insurance-premiums\/\" target=\"_blank\" rel=\"noreferrer noopener\">Build Vs Buy: Lower Insurance Premiums On New Homes!<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>As an agent, you\u2019re probably well aware of the potential equity and tax benefits renters could be missing out on, but they might not understand them. That\u2019s why some renters who could benefit today from homeownership still remain on the fence. Even when they decide to jump in the market, everything about the homebuying process is entirely new. Read on for questions for first time home buyers and other important information to help you put a plan of action together. <\/p>\n","protected":false},"author":2,"featured_media":11075,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[7],"tags":[21,117,56,77,82],"featured_image_src":"https:\/\/www.richmondamerican.com\/agent-blog\/wp-content\/uploads\/2023\/08\/QuestionforFirsTimeHB_BLOG.png","author_info":{"display_name":"Brian Metzger","author_link":"https:\/\/www.richmondamerican.com\/agent-blog\/author\/bmetzger\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Questions for First Time Home Buyers - A blog for your sales success<\/title>\r\n<meta name=\"description\" content=\"Check out these questions for first time home buyers and other important information to help them determine if it\u2019s time to make a move.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Questions for First Time Home Buyers - A blog for your sales success\" \/>\r\n<meta property=\"og:description\" content=\"Check out these questions for first time home buyers and other important information to help them determine if it\u2019s time to make a move.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/\" \/>\r\n<meta property=\"og:site_name\" content=\"A blog for your sales success\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RichmondAmerican\" \/>\r\n<meta property=\"article:published_time\" content=\"2023-08-17T13:43:42+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2025-08-08T17:59:51+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/www.richmondamerican.com\/agent-blog\/wp-content\/uploads\/2023\/08\/QuestionforFirsTimeHB_BLOG.png\" \/>\r\n\t<meta property=\"og:image:width\" content=\"650\" \/>\r\n\t<meta property=\"og:image:height\" content=\"440\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\r\n<meta name=\"author\" content=\"Brian Metzger\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@RAHomes\" \/>\r\n<meta name=\"twitter:site\" content=\"@RAHomes\" \/>\r\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brian Metzger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\r\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/\"},\"author\":{\"name\":\"Brian Metzger\",\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/#\/schema\/person\/3e8ef0e14411eca16772c26251b674cd\"},\"headline\":\"Questions for First Time Home Buyers\",\"datePublished\":\"2023-08-17T13:43:42+00:00\",\"dateModified\":\"2025-08-08T17:59:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/\"},\"wordCount\":1137,\"publisher\":{\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.richmondamerican.com\/agent-blog\/wp-content\/uploads\/2023\/08\/QuestionforFirsTimeHB_BLOG.png\",\"keywords\":[\"credit score\",\"first-time homebuyer\",\"homebuyer help\",\"mortgage info\",\"niche buyer articles\"],\"articleSection\":[\"Tips &amp; tools\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/\",\"url\":\"https:\/\/www.richmondamerican.com\/agent-blog\/questions-for-first-time-home-buyers\/\",\"name\":\"Questions for First Time Home Buyers - 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