Borrower Guides
First-Time Buyer Checklist
Every step from getting your finances ready to picking up the keys, tick it off as you go.
5 min read · Educational only
First-Time Homebuyer Tips
Small Moves Now Can Make a Big Difference Later
Before you work through the checklist below, these habits put you in a stronger position when you’re ready to buy.
- Start saving early - even modest, regular deposits build toward your down payment and closing costs.
- Review your credit report and dispute errors before you apply for a mortgage.
- Hold off on new credit cards, car loans, or large purchases while you’re preparing to buy.
- Get pre-approved so you know your real budget before you tour homes.
- Ask about down payment assistance - you may qualify for more help than you think.
- Budget for the full monthly payment: principal, interest, taxes, insurance, and HOA if applicable.
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Get Your Finances Ready
A few smart moves up front make approval smoother and your money go further.
Gather Your Documents
Having these ready speeds up pre-approval and underwriting.
Get Pre-Approved
Pre-approval tells you what you can shop for and shows sellers you’re serious.
Shop for Your Home
Tour with confidence knowing your budget and your must-haves.
Make an Offer & Go Under Contract
When you find the one, these steps move you toward closing.
Before Closing Day
A smooth finish comes down to a few final details.
Educational information only - not financial or legal advice. Speak with a Gold Star loan officer for guidance specific to your situation.