Your first home, step by step
Everything you need to know before buying your first home in Maryland — from saving for a down payment to making a strong offer. We're with you at every step.
Six steps to your front door
A clear, predictable path from saving to keys in hand.
Save for your down payment
Conventional loans start at 3% down, FHA at 3.5%, and VA can require $0 down. We'll show you programs that fit your savings.
Check your credit
Pull your credit report early. Conventional loans generally want 620+, FHA accepts from 580. We look at your full financial picture, not just the number.
Get prequalified
Know your budget before you shop. Pre-qualification is often same-day and tells Sellers you're a serious, ready Buyer.
Find your home
Work with a trusted agent to tour homes within your budget. We can recommend local Agents who know Maryland markets.
Make a strong offer
Your pre-qualification letter strengthens your offer. We help you time your rate lock so your rate is protected until closing.
Close & move in
Sign, fund, and get the keys. Most purchases close in 21–30 days once you're under contract.
Tips for first-time buyers
- Don't open new credit accounts or make large purchases before closing.
- Keep your down payment and closing-cost funds in one accessible account.
- Gather two years of tax returns, W-2s, and recent pay stubs in advance.
- Budget for closing costs — typically 2–5% of the loan amount.
Ready to buy your first home?
Get a free, no-obligation pre-qualification in minutes. Your local loan officer is ready to help.