The Ultimate Guide to First-Time Home Buying: What You Need to Know Before You Apply

Buying your first home is an exciting milestone, but it can also feel overwhelming. Between mortgage options, hidden costs, and the approval process, there’s a lot to consider. This guide will walk you through the home-buying process step by step, break down the differences between fixed-rate and adjustable-rate mortgages, and highlight hidden costs so you can make informed financial decisions.