Your Move kc guide
First Time Home Buyer Guide
Buying your first home is one of the biggest decisions of your life. We'll walk you through every step — so you feel confident, not overwhelmed.
Start Here30–45
Avg. Days to Close
3%
Min. Down Payment
2–5%
Closing Costs
620+
Credit Score Needed
The 6-Step Buying Process
Every home purchase follows the same path. Here's exactly what to expect.
Get Pre-Approved
Before you start touring homes, connect with a lender to understand your budget. Pre-approval shows sellers you're serious and speeds up the process once you find the right home.
- Check your credit score early — 620+ is typically needed
- Gather pay stubs, tax returns, and bank statements
- Avoid opening new credit accounts during the process
Choose Your Agent
A buyer's agent works exclusively for you — at no cost to you. We negotiate on your behalf, guide you through every step, and protect your interests from offer to closing.
- Your agent's commission is paid by the seller
- We have deep knowledge of the KC metro market
- We'll set up custom alerts for your exact criteria
Search & Tour Homes
Now the fun part. We'll set up a personalized search, schedule tours, and help you evaluate each home — not just the aesthetics, but the bones, the neighborhood, and the value.
- Make a "must have" vs. "nice to have" list
- Visit at different times of day
- Ask about utility costs and HOA fees
Make an Offer
When you find the one, we'll craft a competitive offer based on comparable sales, market conditions, and your goals. We'll negotiate terms, contingencies, and closing costs.
- Earnest money (1–2%) shows good faith
- Inspection and financing contingencies protect you
- Escalation clauses can help in competitive markets
Inspection & Due Diligence
A home inspection is your opportunity to learn everything about the property. We'll help you interpret the report, negotiate repairs, and decide if the home is right for you.
- Always get an independent inspection — never skip it
- Attend the inspection in person if possible
- Ask the inspector to explain every finding
Close & Get Your Keys
Closing day is the finish line. You'll sign documents, pay closing costs (typically 2–5% of the loan), and receive the keys to your new home. We'll be right there with you.
- Review the Closing Disclosure 3 days before closing
- Do a final walkthrough the day before
- Bring a valid ID and certified funds for closing costs
Common Questions
How much do I need for a down payment?
It depends on your loan type. FHA loans require as little as 3.5%, conventional loans can be 3–20%, and VA/USDA loans may require 0% down. Your lender will walk you through all options.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported info. Pre-approval is a full review of your finances by a lender — it's what sellers want to see before accepting an offer.
How long does the buying process take?
From offer acceptance to closing typically takes 30–45 days. Finding the right home can take anywhere from a few weeks to a few months depending on the market and your criteria.
Do I pay my buyer's agent?
In most cases, no. The seller typically covers the buyer's agent commission. We'll explain exactly how this works for your specific transaction.
What are closing costs?
Closing costs are fees paid at the end of the transaction — typically 2–5% of the loan amount. They include lender fees, title insurance, appraisal, and prepaid items like homeowner's insurance.
Your First-Time Buyer Specialists
Heather and Michaela have guided dozens of first-time buyers through the process. They're patient, thorough, and genuinely excited to help you get into your first home.
Ready to Start Your Search?
Let's find you a home. Reach out and we'll set up a free, no-pressure consultation to talk through your goals and get you pre-approved.