Welcome, First-Time Buyers!
Buying your first home is a major milestone, and at RJ Homes Team, we’re here to guide you through every step of the process. With our local expertise and personalized service, we’ll make sure your home-buying journey is smooth, informed, and stress-free.
WHY BUY WITH RJ HOMES TEAM?
Local Expertise: We specialize in Cherokee County and surrounding areas, helping you find the right neighborhood for your lifestyle. If we do not service the area you're interrested in, we will offer you a referral.
Personalized Service: We treat our clients like family, offering advice and support tailored to your unique situation.
Clear Communication: We ensure that you understand every step of the process, from pre-approval to closing.
Trusted Network: We’ll connect you with top local lenders, inspectors, and attorneys, ensuring you have a team of professionals on your side.
WHERE TO START
1. Create a Plan: Free Buyer Strategy Session
A clear plan can help make the home-buying process smoother and less stressful. We offer a free buyer strategy session to help you map out the journey ahead. Contact us today to schedule your session and start your home search on the right foot.
Schedule your free buyer strategy session today.
2. Get Pre-Approved: Know What You Can Afford
Before you start looking at homes, it’s important to know what you can afford. Getting pre-approved for a mortgage will give you a clear understanding of your budget and help show sellers that you’re a serious buyer.
Learn more about the mortgage pre-approval process.
3. Define Your Home Criteria
What are your must-haves in a home? Defining your criteria—such as location, number of bedrooms, and style—will help us narrow down the best options that fit your lifestyle and budget.
Explore homes that match your criteria with our expert guidance.
Frequently Asked Questions (FAQs)
What is the minimum down payment for first-time buyers?
Most first-time buyers can qualify for loans with as little as 3% to 5% down, depending on the loan program. Some buyers may qualify for 0% down with VA or USDA loans.
What is a pre-approval?
A pre-approval is a lender’s estimate of how much they’re willing to loan you based on your financial situation. It gives you a clear idea of your budget and shows sellers that you’re a serious buyer.
What are closing costs?
Closing costs are fees paid at the end of the home-buying process. They typically include lender fees, title fees, appraisal fees, and more. These costs generally range from 2% to 5% of the home’s purchase price.
Can I qualify for down payment assistance?
Many first-time buyers qualify for down payment assistance through local and national programs. We can help you explore your options and determine if you qualify.
READY TO SCHEDULE A FREE STRATEGY SESSION?
Considering becoming a homeowner? It’s never too early to start planning. Without a plan, you’re navigating blind—and that can lead to costly mistakes. Our free buyer strategy session ensures you have a clear roadmap tailored to your unique situation. The more prepared you are, the greater your chances of success in finding the perfect home and making a sound investment. Reach out today and let’s start building your plan!
SCHEDULE
DOWNLOAD OUR FREE FIRST-TIME HOME BUYER GUIDE
Just getting started and not ready for a consultation? No problem! Our free First-Time Home Buyer Guide is packed with essential information to help you understand the process and avoid common pitfalls. This comprehensive guide covers everything from budgeting to closing, so you can approach the market with knowledge and confidence. Instant download—get started now and take your first step toward homeownership!
DOWNLOAD