First-Time Buyer Hub
The process does not have to be overwhelming. Here is everything you need to know, explained in plain language with zero pressure.
I hear these questions every single week. Here are honest, straightforward answers.
Your lender will pre-approve you based on your income, debts, and credit. But affordability is also about lifestyle. I help you find the sweet spot where your housing payment works for your budget without stretching too thin. Most first-time buyers in Central Ohio are surprised by what they qualify for.
From pre-approval to closing, the typical timeline is 30 to 60 days under contract. But the prep work starts earlier. Getting pre-approved, saving for your down payment, and understanding your budget can take a few weeks before you even start looking at homes.
Not if we plan properly. I work with you and your lender to understand not just what you qualify for, but what monthly payment fits your lifestyle. We factor in taxes, insurance, utilities, and maintenance so there are no surprises.
That is exactly why you have me. I have helped over 110 families through this process. I catch issues before they become problems, explain every document before you sign, and make sure you feel confident at every step. You will not make this decision alone.
Trying to time the market is a guessing game. If you find the right home and the payment works for your budget, the rate matters less than you think. You can always refinance later. You cannot get back a home you missed.
In most cases, yes. Central Ohio has seen consistent appreciation, and homeownership builds equity over time. But the primary benefit is not financial. It is the stability, freedom, and sense of belonging that comes with owning your own home.
You do not need 20% down to buy a home. Here are the most common loan programs available to you.
As little as 3% down for first-time buyers. PMI required under 20% but can be removed once you reach 20% equity.
Best for: Buyers with good credit (620+) and steady income.
3.5% down payment with more flexible credit requirements. Mortgage insurance is required for the life of the loan in most cases.
Best for: Buyers with lower credit scores or limited savings.
0% down payment for eligible veterans, active-duty military, and qualifying spouses. No PMI required.
Best for: Military-connected buyers.
0% down for eligible rural and suburban properties. Income limits apply. Great for homes in Licking County areas.
Best for: Buyers in eligible rural areas with moderate income.
Down payment assistance, competitive rates, and special programs for first-time buyers in Ohio.
Best for: Ohio first-time buyers who need help with down payment or closing costs.
Special financing on Fannie Mae-owned properties with reduced closing costs and renovation financing options.
Best for: Buyers looking at foreclosed or bank-owned properties.
"I will never pressure you into a decision. My job is to educate you, guide you, and make sure you feel confident every step of the way."
- Paul Durbin