First-Time Buyers
Your first home, without the overwhelm.
Step-by-step guidance, trusted lenders, and Ohio first-time buyer program expertise.
Overview
Buying your first home should feel exciting, not stressful. Kimberly walks you through every step, explains what to expect, and helps you tap into first-time buyer programs that stretch your budget further.
The Process
What working with Kimberly looks like.
- 01
Consultation & Education
Understand affordability, programs, and neighborhoods.
- 02
Get Pre-Approved
Lender intros and program matching (OHFA, FHA, VA).
- 03
Tour Homes
See the right homes within your budget.
- 04
Make an Offer
Strategic offer with earnest money guidance.
- 05
Inspections & Closing
Protect your investment and prep for closing day.
- 06
Move In
Celebrate — you own a home.
Frequently Asked
Common questions
- What credit score do I need?
- 620+ opens most conventional options; FHA loans go as low as 580 (or 500 with more down). Programs exist for lower scores — Kimberly connects you with lenders who help.
- Do I really need 20% down?
- No. Conventional loans start at 3%, FHA at 3.5%, and VA/USDA at 0%. Ohio's OHFA offers down payment assistance too.
- How much house can I afford?
- A trusted lender confirms your buying power. As a rule of thumb, keep total housing costs under ~30% of gross monthly income.
Related Services
Ready to buy your first home?
Book a free first-time buyer consultation and get a personalized roadmap.