Buying your first home is exciting—but it can also feel overwhelming if you don’t know where to start. Whether you're shopping in Bismarck, Mandan, Lincoln, or the surrounding areas, being prepared gives you a real advantage in today’s market.
Here are the top four things every first-time homebuyer should know before they begin their home search.

1. Get Pre-Approved Before You Look at Homes

A pre-approval helps you understand what you can afford and shows sellers you’re serious.
Without one, you risk falling in love with a home you can’t buy—or missing out on a great opportunity.

Pro Tip: Talk with your lender about monthly payment comfort level, not just the maximum purchase price.

2. Understand Your Upfront Costs

Many first-time buyers only think about the down payment, but there are other early expenses such as earnest money, inspections, and appraisal fees.
Knowing these costs ahead of time prevents surprises.

Pro Tip: Budget for inspections (home, radon, sewer line if needed) and set aside a small cushion for unexpected costs.

3. Be Realistic About Home Condition

Not every home is move-in ready. Some houses need cosmetic updates, and others need more significant work.
Understanding the difference between “cosmetic” and “structural” helps you make smarter decisions.

Pro Tip: If a home needs updates, focus on big-ticket items first—roof, HVAC, foundation—and negotiate accordingly.

4. Think Long-Term, Not Just Today

Your first home might not be your forever home, but it should still fit your needs for the next several years.
Consider future family plans, commute time, work changes, and resale value.

Pro Tip: Look at neighborhood trends—growth, new businesses, school districts, and long-term demand in the area.

Conclusion

Buying your first home doesn’t have to feel complicated. With the right preparation and a plan, you can step into homeownership with confidence. If you have questions or want help navigating your first purchase, I’m always here to guide you through the process.