Buying your first home doesn't have to be overwhelming. Get step-by-step guidance, learn about loan programs, and work with an agent who'll explain everything — no question too basic.
From checking your finances to getting the keys — here's exactly what to expect at every stage.
Before you start browsing homes, understand your financial picture. Check your credit score (free at AnnualCreditReport.com), calculate your debt-to-income ratio, and review your savings.
A pre-approval letter from a lender shows sellers you're serious and tells you exactly how much house you can afford. I can recommend local lenders who specialize in first-time buyers.
Your buyer's agent represents YOUR interests throughout the process — and typically costs you nothing (the seller pays). Choose someone who knows the Des Moines market and communicates well.
The fun part! We'll tour homes that match your criteria. I'll point out things you might miss — both good and bad — and help you understand each neighborhood's pros and cons.
Found "the one"? I'll help you craft a competitive offer based on comparable sales, market conditions, and the seller's situation. We'll negotiate price, contingencies, and closing timeline.
A professional home inspection reveals any issues with the property. With my insurance background, I'll help you understand what's a dealbreaker vs. what's normal wear and tear.
Final walkthrough, sign the paperwork, and you're a homeowner! I'll be there to answer any last-minute questions and make sure everything goes smoothly.
You don't need 20% down to buy a home. Here are the most popular options for first-time buyers in Iowa.
The most common loan type. Lower rates if you have good credit (680+).
Government-backed loans with lower credit requirements and smaller down payments.
For veterans, active military, and surviving spouses. Best terms available.
For rural and suburban areas (many Des Moines suburbs qualify!).
State programs offering grants and low-interest loans for down payment assistance.
Finance both the home AND renovations in one loan. Great for fixer-uppers.
The questions I hear most from first-time buyers — answered honestly.
While 20% down avoids PMI, many first-time buyers put down 3-5%. FHA loans require just 3.5%, and VA/USDA loans require $0 down. I'll connect you with lenders who specialize in first-time buyer programs and can explain all your options.
A general rule is your monthly payment (including taxes and insurance) shouldn't exceed 28-30% of your gross monthly income. But a lender will give you exact numbers based on your debt, credit score, and down payment. I always recommend getting pre-approved before you start shopping.
Absolutely — and it's typically free! The seller usually pays the buyer's agent commission, so you get expert representation at no cost to you. Without an agent, you're negotiating against professionals who do this every day. I'll protect your interests at every step.
Conventional loans typically require 620+. FHA loans can go as low as 580 (or 500 with 10% down). Higher scores get better interest rates — a 740+ score gets the best terms. If your score needs work, I can refer you to credit counselors who can help.
From starting your search to moving in, plan for 2-3 months. Getting pre-approved takes 1-2 weeks, searching can take 2-6 weeks depending on your criteria, and closing takes 30-45 days after your offer is accepted.
Pre-qualification is a quick estimate based on self-reported info — it doesn't carry much weight. Pre-approval means the lender has verified your income, assets, and credit. Sellers take pre-approval letters seriously; pre-qualification, not so much.
Closing costs typically run 2-5% of the purchase price and cover things like loan origination fees, title insurance, appraisal, and prepaid taxes/insurance. On a $300,000 home, expect $6,000-$15,000. Sometimes we can negotiate for the seller to cover some of these.
If you're financially ready and plan to stay in the home 3-5+ years, buying usually makes sense — you'll build equity instead of paying rent. Trying to time the market perfectly is nearly impossible. Let's look at your specific situation and goals to figure out what makes sense for you.
REALTOR® SRES® | First-Time Buyer Specialist
I love working with first-time buyers because I remember how overwhelming it felt when I bought my first home. My job is to take that confusion and turn it into confidence. No question is too basic — I'll explain everything until it makes sense. Plus, my 10+ years in property insurance means I can spot potential issues other agents miss.
Let's chat about your goals, answer your questions, and create a plan to get you into your first home — no pressure, no obligation.