First-Time Buyer Blueprint: Your 6-Month Roadmap from Renter to Homeowner

First-time buyer? Too much advice making you freeze? This easy 6-month plan turns mess into steps. You don’t need perfect credit, just steady action.

In months 1 and 2, get your credit reports, fix mistakes, and start reporting rent payments. In months 3 and 4, save $3,000 to $5,000 for emergencies and begin your down payment, like $6,000 for a $200,000 home with 3 percent down on FHA. In month 5, get pre-approved and compare rates from lenders in 14 days. In month 6, look for homes with an agent, lock your rate, and close the deal.

Skip a single step and you risk loan denials or an extra $10,000 in fees and interest. Follow the plan faithfully and you’ll close on time, stay within budget, and avoid costly surprises.

Six months isn’t magic, it’s momentum. Start month 1 today, and by month 6 you’ll be holding the keys to your new home.

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