For first-time buyers
Your first home doesn't have to be a mystery
An honest, no-pressure walk through how buying works in St. Louis — what to get ready, what to expect, and where first-timers get tripped up.
General education — not financial or legal advice.
The short answer
To buy your first home you generally need steady income, some savings (down payment, closing costs, and a cushion), and credit in reasonable shape. Get pre-approved first so you know your real budget — then search, offer, inspect, and close. Once under contract, plan on about 30–45 days.
A quick readiness check
- Steady, reliable income
- Savings beyond the down payment
- Credit in reasonable shape
- A plan to stay a few years
The journey
From pre-approval to keys
Pre-approval
A lender confirms what you can borrow.
Set your budget
A monthly cost you're comfortable with.
Search & tour
Homes in your range and must-haves.
Make an offer
Price and terms, with guidance.
Inspection
Understand the home's real condition.
Close
Sign, fund, and get the keys.
Common concerns
What first-time buyers worry about
“Can I actually afford this?”
Down payments are often smaller than the 20% myth — but closing costs and a cushion are real. Get the full picture before you fall for a listing.
How financing works →“Am I missing something?”
The common misses: skipping pre-approval, rushing the inspection, and stretching to the very top of your budget. Slowing down is the cure.
Common buyer mistakes →“How do I choose an area?”
Start from your budget, commute, and daily needs — facts, not pressure. Explore St. Louis communities by the numbers.
Explore communities →You don't have to figure this out alone
My job is to make your first purchase clear and calm — explaining each step, flagging risks early, and never pushing you to move before you're ready.
- Plain-language explanations at every step
- Honest guidance on price, condition, and terms
- No pressure — you move on your timeline
Common questions
How much do I need for a down payment on my first home?
Less than most people think. The old “20% down” figure isn't a requirement — several loan programs allow much less, and some buyers qualify for low- or no-down-payment options. The right number depends on your loan type and finances, so ask a lender what you qualify for. (General education, not lending advice.)
What credit score do I need to buy a house?
There's no single magic number — different loan programs have different thresholds, and your score affects your interest rate as much as your approval. You don't need perfect credit. A lender can review your situation and tell you where you stand.
How long does it take to buy a first home?
Plan for two phases: searching (weeks to months) and the stretch once your offer is accepted, which usually runs about 30–45 days through inspection, appraisal, and closing. Getting pre-approved early keeps it moving.
Go deeper
Understand the systems first
The True Cost of Home Ownership
Mortgage, taxes, insurance, and upkeep — what owning really costs beyond the price.
Read the guide →Life NavigationRenting vs. Buying
An honest framework for when buying makes sense and when renting is the smarter move.
Read the guide →Life NavigationThe System Behind Housing Markets
Why prices move — supply, rates, and demand — so headlines don't push you around.
Read the guide →