First-Time Home Buyers Guide

First-Time Home Buyers Guide

For first-time home buyers, the representation of a PCS Cash Back buyer’s agent is absolutely essential. There are many details of the home buying process that can seem overwhelming to a first-time buyer. Your buyer’s agent provides the information and guidance to help you succeed!


The following is a very simplified overview of the home buying process. 


During a home buying consultation with PCS Cash Back, you will be matched with an exclusive buyer’s agent in the community you are moving to. At the same time, we will explore your individual needs and goals for buying your first home. (The “How to Buy a Home” section on this website may answer some of your initial questions and bring up points you may not have thought of.)


PCS Cash Back can refer you to a local, reputable mortgage lender if you don’t have one already. Contact your lender about obtaining a mortgage pre-approval, not a pre-qualification.


Determine your overall home buying budget, considering your down payment, mortgage pre-approval, homeownership expenses, utilities, and so on. Consider other life goals such as saving for retirement or a child’s college fund.


Decide your priorities in a home, beginning with the neighborhoods you prefer and the number of bedrooms and baths you need for your household. Decide what you need the most and be flexible on the rest.


Begin your home search with the help of your buyer’s agent. He or she will share information about homes for sale, including MLS, FSBO, and home builders.


When you find the ideal home, make an offer based on the expert advice of your exclusive buyer’s agent. The agent will negotiate the home purchase on your behalf, based upon your instructions and wishes, while protecting your best interests.


Once your offer has been accepted, it’s time to order your home inspection, purchase your homeowner’s insurance, and prepare for closing.


You will receive pre-closing documentation that explains your transaction costs. You will then proceed to the scheduled closing