Buy Hub · First-Time Centro de compra · Primerizos
Your first home, without the guesswork. Su primera casa, sin conjeturas.
Buying a first home is a sequence of decisions that feel bigger than they are when each one is explained ahead of time. This guide walks through the first-time buyer path in South Florida, and mirrors the full First-Time Buyers page. Comprar la primera casa es una secuencia de decisiones que se sienten más grandes de lo que son cuando cada una se explica con anticipación. Esta guía recorre el camino del comprador primerizo en el sur de la Florida, y refleja la guía completa de primerizos.
Five Steps
From first conversation to first keys.
- 01
Know your real budget
Your budget is the monthly reality: mortgage payment, taxes, insurance, and association fees together. Build that model before you fall for a house.
- 02
Get pre-approved early
A pre-approval sets your price band and tells sellers you are serious, and it surfaces credit or documentation issues months before closing.
- 03
Choose the neighborhood for your routine
Commute, school assignments verified by address, parks, and groceries: the neighborhood is the daily part of the decision.
- 04
Make an offer with your future in mind
Inspection, financing, and timeline terms protect as much as the price. Nanci explains every line before you sign.
- 05
Prepare for closing week
Final walkthrough, documents, funds, and keys: the last week goes smoothly when every item is confirmed in advance.
Programs That Help First-Timers
The loan paths worth asking about.
FHA loans
Lower down payment and credit requirements, popular with first-time buyers. A lender models the real cost.
VA loans
For eligible military families: no down payment and strong terms. See the Military and Veterans guide for more.
Conventional 97
A conventional loan with as little as 3% down for qualified buyers.
Down payment assistance
Florida-first programs and local assistance vary by county and availability. Nanci points you to the lenders who track them.
The complete first-time buyer journey, including the full cost breakdown and closing week, lives at /first-time-buyers/. Run the numbers first with the mortgage calculator.
One Conversation Una conversación
The first conversation is free of jargon. La primera conversación es libre de jerga.
Nanci walks first-timers through the whole path in plain language, in English or Spanish, with no pressure. Nanci recorre con los primerizos todo el camino en lenguaje sencillo, en inglés o español, sin presión.