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    Buying a Home For The First Time? Do This Before Anything Else!

    Buying a home is one of the most exciting — and important — journeys you’ll ever embark on. But before you start scrolling...

    • Dario Lorenzo
    • May 9th, 2025
    • 2 min read

    Buying a home is one of the most exciting — and important — journeys you’ll ever embark on. But before you start scrolling through listings or falling in love with the perfect front porch, there are a few critical first steps that can set you up for success and save you from costly mistakes.

    Here’s how to begin your homebuying journey the smart way:

     

    1. Assess Your Financial Health

    The first step is to get real with your finances. Review your monthly income, current debt, and savings. One of the biggest factors lenders consider is your credit score, which plays a major role in determining what mortgage options and interest rates you’ll qualify for.

    ✅ Aim for a score of 720 or higher for the best terms.
    🤔 Not there yet? Don’t worry — there are still financing options available, especially for first-time buyers.


    2. Determine Your Budget

    How much house can you actually afford? A good rule of thumb is that your monthly mortgage payment shouldn’t exceed 28% of your gross monthly income.

    💡 Use an online mortgage calculator or speak with a lender to get an estimate of your monthly payments. This will help you set a realistic price range for your home search.


    3. Start Saving for a Down Payment

    The earlier you start saving, the better. While the gold standard is a 20% down payment, many buyers—especially first-timers—secure homes with as little as 3% down.

    🏦 Look into down payment assistance programs or low down payment loan options that may be available in your area.


    4. Get Pre-Approved for a Mortgage

    Before you start house hunting, get pre-approved. This shows sellers you’re a serious buyer and gives you a clear idea of what you can afford.


    5. Work with the Right Real Estate Agent

    The right agent will guide you through the entire process — from making smart offers to negotiating and closing the deal. Choose someone who knows your market and understands your goals.

     

    🚀 Ready to Start House Hunting?

    Whether you're just starting to plan or you're ready to tour homes this weekend, I’m here to help make the process smooth and stress-free.

    Let’s take the first step together toward finding your dream home!

     

    Call or text me today at (480) 766-6725

    Or email me: [email protected]

     

     

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    About the author

    Dario Lorenzo

    480-766-6725
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    With over 32 years of real estate experience, alongside decades of expertise in design and construction, I bring a wealth of knowledge that ensures my clients get the best outcomes in every transaction. At the age of 17, I purchased my first property, igniting a passion for real estate that has driven me to succeed in all facets of the industry—from residential and commercial properties to land development. What truly sets me apart from other real estate agents is my comprehensive approach. Not only do I have deep real estate expertise, but my design and construction experience allow me to see properties from every angle. I can help buyers envision potential transformations and assist sellers in highlighting their property’s best features. Every strategy I employ is tailored to fit YOUR unique situation, ensuring you get the best possible results. As a home seller, working with me means your property isn’t just another listing—it becomes a standout in a competitive market. I leverage the latest social media strategies and cutting-edge video marketing to ensure maximum reach and engagement. By using high-quality visuals and targeted campaigns, I attract more qualified buyers, which leads to faster sales and higher offers. With me, your home will be seen by the right audience, in the right way. If you’re a homebuyer, my knowledge of market cycles, local expertise, and deep understanding of design and construction gives you an undeniable advantage. I don’t just help you find a house—I help you find YOUR home, a place that fits your lifestyle and goals. I guide you through every step, from finding hidden gems to negotiating the best terms, making your buying process smooth, stress-free, and ultimately successful. But what truly makes working with me unique is that when you become my client, you also become part of my close inner circle. I treat every client like family, building relationships that last far beyond a single transaction. You aren’t just another client—you’re part of a trusted network, and I’m here to support you not just today, but for years to come. Here’s why my clients consistently choose me over other agents; I treat your transaction as if it were my own, I am relentless in ensuring that no opportunity is missed and no detail overlooked. I know that your time is valuable, and I work efficiently to meet your goals on your timeline. My extensive experience, personal commitment, and deep market knowledge give you the peace of mind that you are working with a true professional who puts your needs above all else. In a world where so many agents are transactional, I focus on building lasting relationships. I am dedicated to being your trusted real estate advisor, not just for this transaction, but for every future move you make. My clients return time and time again because they know that with me, they’re in the best possible hands. If you're ready to experience the difference, let's talk. Whether you're buying or selling, I will craft a strategy uniquely designed for your success. Let me guide you through the process and help you make your dreams a reality.

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