First-Time Buyers

Your First Home Starts Here

Buying your first home is exciting and a little overwhelming. That's exactly why having the right agent matters. I'll guide you through every step.

Why Work With Terry as Your First Agent?

First-time buyers have the most questions and need the most guidance. That's not a weakness. That's exactly why having an experienced agent matters. After 1,000+ transactions, I've answered every question a first-time buyer can ask, and I'll make sure you understand every step before we take it.

I'll never pressure you into a home that doesn't fit. I'll tell you when to walk away. And I'll make sure you don't overpay or miss something important in the inspection. That's what a good agent does.

First-Time Buyer Programs

There are several programs designed specifically to help first-time buyers:

VA Loans

If you're a veteran or active duty, you can buy with zero down payment and no PMI. This is the best loan program available, and I'll make sure you use it fully.

FHA Loans

3.5% down payment with more lenient credit requirements. Great for buyers who are still building their credit profile.

Conventional 3% Down

Some conventional loans allow as little as 3% down. Combined with competitive rates, this can be a strong option.

Virginia Housing (VHDA)

Virginia Housing offers down payment assistance grants and affordable mortgage programs for first-time buyers meeting income requirements.

Ready to Get Started?

Step one is a no-pressure conversation about your goals, your budget, and what you're looking for.

Schedule a Call

Quick Checklist

  • Check your credit score
  • Gather income documentation
  • Save for down payment & closing costs
  • Get pre-approved with a lender
  • Define your must-haves vs nice-to-haves
  • Start your home search with Terry