First-Time Buyers

First-Time Buyer Checklist

Everything to do before you start looking, in the right order.

Check your credit

Your credit score directly affects your interest rate. Pull your free report at annualcreditreport.com and check for errors. Most lenders want a score of at least 620 for conventional financing; 740+ gets you the best rates. If your score needs work, Sandy can connect you with a lender who will coach you through improving it before you apply.

Save for more than just the down payment

First-time buyers often underestimate total upfront costs. Budget for: down payment (3–20% of purchase price), closing costs (2–3%), moving costs, and a cash reserve for immediate repairs or purchases after you move in. Indiana Housing Authority also offers down payment assistance up to $10,000 for qualifying buyers.

Get pre-approved before you look

It sounds backwards, but knowing your budget before you fall in love with a home saves a lot of heartache. Get pre-approved. Not just pre-qualified — from a local lender. Online lenders are slower and less responsive when things get complicated. Sandy works with lenders who prioritize her clients.

Understand what you're buying

Never skip the home inspection, even on new construction. Understand the difference between a seller's market (move fast, fewer contingencies) and a buyer's market (more room to negotiate). Hamilton County is currently balanced. There's room to negotiate, but good homes still move quickly.

Think about resale from day one

Your first home probably won't be your last. Think about what makes a home easy to sell in 5–7 years: school district, lot size, neighborhood trajectory, and floor plan. Sandy buys and sells in this market every day and knows what holds value.

Don't do it alone

As a buyer, Sandy's services cost you nothing. Her commission is paid by the seller. You get full representation, local expertise, and someone in your corner at every step. There's no reason to navigate this process without an agent.