First Time Homebuyer

The process of buying a home can be daunting, especially If you are a first-time home buyer. But do not worry, we will guide you through the process from start to finish, and make sure you find a home that meets your needs.

Our sales team together has amassed over 75 years of successful sales experience. Take advantage of this
experience as we patiently help you navigate what can be a very intimidating process.

First-Time Home Buyer Resource Center

Thinking about buying your first home? Call us after reading the following searches:

Credit Utilization Ratio

Compares the amount of credit owed to the total credit available. New homeowners should aim for a ratio below 30%. The ratio keeps you on track as you work to build or maintain good credit.

Experian Boost

Do you need to improve your credit score in order to get a lower mortgage rate? Experian helps raise credit score based on bill payment like utilities, and rent. See site for more details.

To check your credit Score. Visit

Mortgage Calculator - Use our free mortgage calculator to estimate your monthly mortgage payments.

City of Savannah Resources - Housing and Neighborhood Services

GA Dream Resources - The Georgia Dream Homeownership Program fulfills homeownership dreams by providing affordable mortgage financing for eligible homebuyers

FAQ's for First Time Home Buyers

Click on the "+" to expand answer

What expenses I must pay?

The buyer usually pays for: credit check, appraisal, closing cost, home inspection, plus down payment.

Do I need an attorney?

Yes. All real estate transactions are closed by an attorney. The buyer usually selects the attorney.

Can someone give me the down payment money?

Yes. Lenders accept documented gift funds or funds from a down payment assistance program such as Dream Maker.

What is the Closing?

That’s the day that the Buyer and Seller along with the realtors meet at the attorney’s office to sign documents.

The Buyers get the keys to the house and the seller gets the check.

Do I Need a Realtor?

YES! YES! YES! This is a major undertaking. A real estate professional will help work through the process with Little or no misteps.