First-time buyers
How do I buy my first home in Raleigh?
Get pre-approved, decide what you need, tour homes, make an offer, complete inspection and appraisal, then close. Most buyers finish in two to four months, and Casey guides each step.
The six steps
- 1
Get pre-approved
Know your budget and monthly payment before you look.
- 2
Set your must-haves
Location, size, and the deal-breakers that matter to you.
- 3
Tour homes
See homes that fit, with honest notes on each one.
- 4
Make an offer
Price and terms based on recent local sales.
- 5
Inspect and appraise
Find problems early and negotiate repairs.
- 6
Close
Sign, get the keys, and move in.
Buyer questions
What is the first step to buying my first home?
Get pre-approved for a mortgage. A pre-approval tells you your real budget, shows sellers you are serious, and usually takes a few days with a lender.
How much do I need for a down payment as a first-time buyer?
Often less than 20%. FHA loans can start at 3.5% down and some conventional loans at 3%. Budget another 2–5% of the price for closing costs.
How long does it take to buy a house?
Most purchases take 30–60 days from accepted offer to closing. The search itself varies, so plan on two to four months in total.
Does it cost me anything to work with a buyer's agent?
Buyer agent pay is agreed in writing before you tour homes. It is often covered fully or partly by the seller, and Casey walks you through the options up front.
Not a first-time buyer? See the general buying guide for upgrades, relocations, and second homes.