Buying your first home is a major milestone—and often a whirlwind. With so many steps and emotions involved, it’s easy to overlook the details that can make or break your experience. Here are 7 crucial things first-time homebuyers often forget, but you absolutely shouldn’t.

1. Get Pre-Approved Before You Fall in Love

It’s tempting to scroll through listings and start envisioning your future, but falling for a home before you’re pre-approved can lead to disappointment.
Why it matters: Pre-approval strengthens your offer and gives you a clear budget, helping you act fast in competitive markets.

2. Budget Beyond the Down Payment

Most buyers know they’ll need a down payment, but that’s just the beginning.
Don’t forget: Closing costs (usually 2–5% of the purchase price), home inspections, moving expenses, and immediate repairs or upgrades can add up quickly.

3. Understand the True Cost of Homeownership

Monthly mortgage payments are just one piece of the puzzle.
Also consider: Property taxes, homeowners insurance, utilities, HOA fees (if applicable), and routine maintenance.

4. Check Your Credit Health Early

Your credit score directly affects your loan approval and interest rate.
Trifilo Tip: Pull your credit report months before applying for a mortgage so you have time to address any errors or reduce debt.

5. Explore First-Time Buyer Programs

There may be grants, tax credits, or special loan programs available in your area.
Work with a knowledgeable agent who understands local and state-level opportunities that can save you money or make buying more accessible.

6. Factor in Resale Potential

Your first home may not be your forever home.
Think long term: Choose a location and property type that will appeal to future buyers, not just your current lifestyle.

7. You’ll Need More Than Just the Keys on Closing Day

First-timers often underestimate how many final steps take place after the offer is accepted.
Remember to: Schedule utilities, finalize insurance, do a final walkthrough, and prepare for a lot of paperwork. Your agent will guide you, but being organized helps avoid delays.

Why This Matters?

These often-overlooked steps can save you from unexpected stress, costs, and regrets. As your local real estate expert, our goal is to help you navigate every stage with clarity and confidence. It may feel overwhelming at times, but with the right agent by your side, it becomes manageable—and even enjoyable. That’s where we come in. We’re here to help—The Trifilo Team.

Ready to Make Your Move?

Whether you're buying your first home or planning your next chapter, The Trifilo Team is here to guide you with knowledge, integrity, and unmatched local expertise. We don’t just help you navigate real estate—we help you feel confident every step of the way.

Reach out today and experience the difference of working with a team that puts you first.

📍 Western New York real estate.
🏡 Real people. Real results.