The Ledford GroupHome / First-Time Buyers
First-time buyers
Your first home, explained
Nervous? Good. That means you are taking it seriously. I'll explain every step before it happens, and no question is too small.
The short answer
To buy your first home around Charlotte, start with a lender pre-approval, learn what your monthly payment and cash to close will be, sign a clear buyer agreement, and search with a plan. Informed, not overwhelmed.
Step by step
What happens and when
- Get pre-approvedKnow your real budget and your monthly payment.
- Talk costsDown payment, closing costs, and how my fee works.
- Search with a planHomes that fit your list and your budget.
- Make a strong offerPrice, terms, and timing that protect you.
- Inspect, appraise, closeEvery deadline tracked, every question answered.
★★★★★"What could have been a stressful experience turned into an exciting and enjoyable one. I would highly recommend her to anyone, especially first-time buyers."
Jonathan T., first-time buyer
Let's find out what you can buy
Book a Call with JenniferQuestions people ask
Frequently Asked Questions
How much do I need for a down payment in North Carolina?
Some loans allow as little as 0% to 3.5% down, and conventional loans can start at 3%. You will also need money for closing costs, usually a few percent of the price. A lender can show you exact numbers for your situation.
Are there first-time buyer programs in North Carolina?
Yes. The NC Housing Finance Agency offers programs that can help with down payment for eligible buyers. I can connect you with lenders who work with these programs.
How long does it take to buy a home?
Once your offer is accepted, closing usually takes 30 to 45 days. The search before that depends on your budget and the market, often a few weeks to a few months.
What does a buyer's agent cost?
It depends on the home. Some sellers cover the buyer agent fee and some do not. I explain how it works on every home before you make an offer, so there are no surprises.