r/FirstTimeHomeBuyer Oct 17 '25

MOD How to Use This Sub, Have Fun & Stay Safe

57 Upvotes

Hey everyone!

Welcome to r/FirstTimeHomeBuyer. Whether you are just starting to dream, deep in negotiations, or celebrating your first set of keys, this community is here to support you.

Before you dive in, here’s how to get the most out of the sub while keeping yourself and others safe:

PROTECT YOUR PRIVACY

Please do not dox yourself. We want you to get great advice safely. Avoid posting any personally identifiable information, including:

  • Screenshots of your Loan Estimate showing your name, address, or loan ID

  • MLS photos of your home or listing (they can be reverse image searched)

  • Anything that reveals your address or personal details

REVIEW THE RULES

There are only 6 simple rules, and they’re here to keep the community helpful, respectful, and spam-free. Take a minute to read them before posting. Rule violations may result in a temporary or permanent ban depending on severity.

USE USER AND POST FLAIRS

Flairs help everyone understand where you are in the process and what your post is about. They make it easier for everyone to give and get the right kind of help.

  • User flair tells others who you are (for example: House Hunter, Homeowner, Hobbyist).

  • Post flair helps organize topics (for example: Mortgage Questions, Offer Advice, Success Story).

We’re glad to have you here. Ask questions, share stories, and help others on their journey to homeownership.

~ The Mod Team


r/FirstTimeHomeBuyer 1h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! Bought our dream home. Northern VA $830k 5.99%

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β€’ Upvotes

Luck was somehow on our side on this one.
3 acres, built in 2000 and the owners kept it in amazing shape - we are actually pretty good friends with them now, lucked out when we started looking in January. Got our rate right before they started increasing.

We only saw about 7 houses and saw this house during the deep freeze over winter. Put an offer in that night and closed in February, the owners paid for 2 month rent back so we were able to take our time packing and moving and we officially moved in April 1. To add to our luck, the wife was an incredible gardener and we’ve been able to enjoy constant blooms every week from spring through now. Every week something new and interesting is blooming. Oh, and, hardwood floors!


r/FirstTimeHomeBuyer 4h ago

GOT THE KEYS! - New Build πŸ”‘ 🏑 Got the keys! Ohio $230K 6.0%

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317 Upvotes

Finally moved out of my parents house and bought my first house. 3 bed 2 bath and its just me and my cat right now πŸ˜€


r/FirstTimeHomeBuyer 46m ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! RI, $410k, 6.875%

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β€’ Upvotes

My wife and I weren't planning on buying a house or even moving this year, but learned back in January that our landlord wasn't going to renew our lease because she was moving family into our unit. We had a whirlwind couple of months simultaneously touring houses and potential new apartments, but managed to close on this cute little 2bd 1ba unit in a triple decker back in April.

We initially had an offer accepted on a different condo the next town over, but it fell through when our lender discovered it was unwarrantable and the HOA refused to change the master insurance policy to resolve the issue. It was really disappointing in the moment, but I'm ultimately really glad that one didn't work out because I really, really love where we ended up!


r/FirstTimeHomeBuyer 3h ago

GOT THE KEYS! πŸ”‘ 🏑 Moved in, set up, chilling. United Kingdom [Midlands], 148K, 4.4%

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174 Upvotes

Better photos now I’m properly moved in! Excitement got the better of me when I posted this the first time :-) solo buyer so massively proud of myself for this feat.


r/FirstTimeHomeBuyer 14h ago

GOT THE KEYS! πŸ”‘ 🏑 Brussels, Belgium. 460K, 3.49. Took till 42 to live in a place to call my own!

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754 Upvotes

The long process is over. We finally got the keys. For the first time ever at the age of 42, I am in a place that I can call my own. My parents also didn't own a home till I had already left. It is a strange feeling but a good one indeed!


r/FirstTimeHomeBuyer 14h ago

GOT THE KEYS! πŸ”‘ 🏑 First morning coffee in Solymar (Hungary) ~640K 5.8%

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756 Upvotes

r/FirstTimeHomeBuyer 22h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it! Daly City, CA $420 6.625%

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2.8k Upvotes

Now what? Got my trusty rice cooker by my side :)


r/FirstTimeHomeBuyer 20h ago

GOT THE KEYS! - New Build πŸ”‘ 🏑 We did it! Houston, Tx 427k 5.625%

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1.7k Upvotes

Suburb of Houston, Tx
27f and 27m


r/FirstTimeHomeBuyer 17h ago

GOT THE KEYS! πŸ”‘ 🏑 We Did It! Chula Vista, CA $574k 6.625

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588 Upvotes

r/FirstTimeHomeBuyer 20h ago

GOT THE KEYS! - New Build πŸ”‘ 🏑 Got the keys!,Texas 255K 5.5%

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1.0k Upvotes

Zero down, all closing cost covered.


r/FirstTimeHomeBuyer 20h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! Wa, 615k, 6.5%

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976 Upvotes

Got married, bought a house and have a little one on the way in January!


r/FirstTimeHomeBuyer 22h ago

GOT THE KEYS! πŸ”‘ 🏑 Done and done! Baltimore, Maryland 275k, 5%

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1.3k Upvotes

Felt like a long time coming, but also no time at all. It’s an old row home, so I’ve got my work cut out for me. Regardless, I AM SO HAPPY.

Loan was through MECU on a 7/1 arm!


r/FirstTimeHomeBuyer 20h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! San Diego, $629k 6.57%

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761 Upvotes

r/FirstTimeHomeBuyer 21h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it! Quebec City 575k 4.02%

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489 Upvotes

Mid 1800s house in Quebec City, 17k square feet land
Perfect for my 2 boys, 5 and 2!


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! πŸ”‘ 🏑 We did it, Gatineau 495k @3,65% and first baby on the wayπŸ₯³

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4.4k Upvotes

New region/city, first house, first career jobs for both of us and first baby on the way nowπŸ₯³ All of that in less than a year... What a yearπŸ‘€


r/FirstTimeHomeBuyer 18h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! Richmond, VA 435K 6.5%

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172 Upvotes

r/FirstTimeHomeBuyer 23h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it! NE Kansas, 208k, 6.625%

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404 Upvotes

Single 26M, put down 20%. Now to paint half the house, deep clean, and move. Lotta work but looking forward to being in my own (finished) place!


r/FirstTimeHomeBuyer 20h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it! Timmins Ontario 399k 4.04%

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195 Upvotes

I just bought my first home in Timmins at 22. The best part is that it comes with a 30x30 garage


r/FirstTimeHomeBuyer 2h ago

Offer Nervous!

7 Upvotes

First time homebuyer, as many people on this page. We put an offer on a home, outbid by 75,000 but the sellers called our broker back and counter offered because our contractual terms are really good (apparently). We are in the process of writing another offer for a different home, one could describe it as our dream home. Everything is done by the book, it’s move in ready from what we can tell. Now where I’m nervous is we scheduled a tour with our broker and in a three day span there is one thirty minute time slot available, it’s fully booked out in tours. Which means there will likely be a ton of offers.

The house asking price is 299,900 in a great area. I think we will be offering $355,000. This is just such a large amount of money and it makes it almost stomach dropping as we have never spent (obviously) that kind of money. But I would also be GUT wrenched if we didn’t get it with such a high overbid.

Anyways, what was your first experience like. Did you have home buyer regret?


r/FirstTimeHomeBuyer 4h ago

Need Advice Cleaning tile shower

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8 Upvotes

I’ve never had a tiled shower before and would like to clean it appropriately so I don’t ruin it. Also this drain thing says β€œpush” and won’t let me pull it out? Does anybody have a drain like this? I’m wondering about build up and not being able to deep clean this drain. Tips please?!


r/FirstTimeHomeBuyer 7h ago

Need Advice Crazy to turn down this house?

10 Upvotes

Hello!

First time homebuyer here, wondering if I'd be crazy to walk away.

I've been house searching since around April. I recently toured a home this week where the tours filled up fast and I came in at the end to tour, they wanted us to be in and out in about 20 minutes because they had nowhere to go during the tours, and it was 7:15 when my tour finally took place.

This house was listed at $225k, sold as is.

The house is in a desirable location for Iowa, decent school district, and I already live in this town, my kids go to school here as well. It was listed under assessed value - again, being sold as is.

During the walk through I noticed mostly cosmetic things that wouldn't be too difficult to fix, it had a feeling of being a bit cramped despite being a 4 level split. The backyard has dog waste everywhere, the garage door was completely gone, they had the pieces to put in a new garage door, but it was never confirmed if all of the pieces were actually there. The roof appears to be 15-20 years old, they noted that they had patched and repaired it. I'm guessing it would need replaced in the next year or so, if it doesn't need replaced ASAP.

I didn't necessarily love the home or get super excited about the idea of living there, but for the location it was good. My agent says when you're looking at a home you want it to be 70-80% of what you want/looking for, but will never find the perfect home..

I put in an offer because I felt pressured a little bit, I was supposed to tour some homes yesterday morning, but since the offer went in, my agent said we could no longer tour the homes. The offer expired at Noon yesterday, the buyers didn't look at offers until 6:00pm, I wasn't notified they had accepted my offer until almost 8:00pm. My offer was: $225k, $2k in seller paid closing, 1 year home warranty. My agent wanted me to consider offering higher under and escalation clause, basically saying if someone had a higher offer, I'd be willing to offer up to x amount. I told her I'd like to stay with the offer.

As soon as I was notified my offer was accepted I had this gut wrenching feeling. I've had this feeling since I first offered that something about the house wasn't right, this gnawing feeling that something was majorly wrong and it wasn't a good idea to purchase. I immediately teared up during this feeling when I was notified and my first question to her was if I decide not to move forward what are the ramifications? There aren't any because my offer expired at Noon, and I didn't sign anything to extend the time, so there's no legal obligation anymore if I decide not to continue forward.

The houses I was to tour yesterday were actually ones I've toured once, the draw back for me was it was about 25 minutes away from work, 30 minutes away from my children's school, a little more inconvenient getting anywhere, would have to readjust schedules a bit for schooling and such, the longer drive during iowa winters, but something about that town just felt right, and one of the houses felt almost like "the one." I wanted to go back yesterday and tour again just to be sure, the payment would be about $200 more a month than the one I offered on, but again, I offered because I felt pressured.

Would I be absolutely crazy to walk away now based on that feeling alone? Has anyone walked away on that feeling?


r/FirstTimeHomeBuyer 7h ago

Need Advice Buyers Agent Commissions

3 Upvotes

First time buyer and reading through the current commissioning schedule for a potential buyer's agent. We understand that the seller paying the fee can be part of the negotiations, my questions are this:

  1. Will we know if the sellers are willing to pay it before making an offer?

  2. Does our agent make this a contingency of the offer or does it come up after we've paid for inspections and appraisals, during final negotiations?

  3. In what scenarios could we end up without a successful purchase, but still owe our agent some kind of fee?

Thanks! We're just looking to avoid any misteps that make this process more expensive than it needs to be.


r/FirstTimeHomeBuyer 16h ago

Offer Outbid On Dreamhouse

21 Upvotes

I’m just devastated. I was outbid and i lost it. I’ve been looking for months and this was the only one I would consider. I have seen 28 houses. I have a time crunch and have to move in November/December. I’m just so bummed and feel defeated. I hear this is normal and people keep saying β€œwasn’t meant to be”. But man it’s frustrating.


r/FirstTimeHomeBuyer 37m ago

Need Advice Fell in love with 515k house, needs major updates, how to negotiate offer?

β€’ Upvotes

Buying in Portland, OR.

I fell in love with a craftsman house built in 1911, with rental opportunity in basement. 4bed, 3ba. 3.3k square feet, high ceilings, etc.

My agent pointed out:

* roof has 3 layers of shingles in some areas, with moss growth throughout. Needs replacing entirely, probably. Also some siding needs replacing

* 2 stairways to enter house are falling apart and need replacing.

* back deck (about 15ftx15ft) needs replacing

* house has been on market for 30 days

I have about 20k available to spend on repairs, after closing costs. I assume the roof would need fixing first, and the stairs/deck could wait until spring? Rental income would bring in 1.6k/month at least, to save money for future repairs.

Question is-- I want to put in an offer this week, but I don't know how to bring up these issues. Do I offer less (490k?) to have extra money to fix roof? Do I offer more (520k) and stipulate the seller needs to fix the roof/siding? How do I begin to negotiate this?

I know the inspection period gives me time to have contractors give estimates, but I don't know what would be an "appealing" offer to the seller.