Kelly Hollowell

Ernest, I grew up in Arizona but live in Virginia now. There are many factors to consider as you research buying your first home. Remember, it is all very doable and you will be so proud when you have reached this goal! Here are some considerations... **Let's start with the money stuff - but don't panic:** Talk to a lender early. You'll need some savings (even 3-5% works), plus money for closing costs and a cushion for moving in. These figures will be dependant upon the real estate market in Phoenix. **Good news - there can be help out there:** First-time buyers get special programs! FHA loans need less down, VA loans are amazing for veterans, and many states offer down payment assistance most people don't know about. This is why you need a GREAT local lender. **You don't have to do this alone:** Find an full time, professional agent who enjoys working with first-timers. Experienced Realtors will translate the confusing parts and guide you through everything. And always get a home inspection - it shows you what you're really buying. **The honest truth:** Buy what's comfortable payment-wise, not the maximum approved. Think about your commute and how the neighborhood feels. Homes need maintenance, but that's what makes it yours. **Bottom line:** Start with one lender conversation, and everything else falls into place from there.