10 Things Every First-Time Homebuyer in San Antonio Should Know
May 10, 2026 · 6 min read · By May Reed
Buying your first home is one of the biggest financial decisions you'll ever make. After 30+ years helping first-time buyers in San Antonio, here are the 10 things I wish every buyer knew before they started.
Get Pre-Approved Before You Start Looking
Knowing your budget upfront saves you from falling in love with a home you can't afford — and makes your offer stronger when you find the right one.
Understand the Difference Between Pre-Qualification and Pre-Approval
Pre-qualification is a quick estimate. Pre-approval is a full review of your finances. Sellers take pre-approval seriously. Pre-qualification, not so much.
Don't Make Any Big Financial Moves During the Process
No new credit cards, no large purchases, no job changes. Lenders re-check your credit right before closing. Any changes can derail your loan.
Factor in All the Costs — Not Just the Purchase Price
Closing costs, property taxes, homeowner's insurance, HOA fees, and maintenance all add up. Budget for 2–5% of the purchase price in closing costs alone.
Always Get a Home Inspection
Never skip the inspection, even on new construction. A good inspector finds issues that could cost thousands to fix — before they become your problem.
Location Matters More Than the House
You can renovate a kitchen. You can't move the neighborhood. Think about commute, schools, and long-term property values before you fall for the finishes.
Don't Wait for the 'Perfect' Market
Trying to time the market is a losing game. The best time to buy is when you're financially ready and find a home that meets your needs.
Your Agent Works for You — Not the Seller
As your buyer's agent, my job is to protect your interests, not close a deal. I'll tell you if a home is overpriced or has red flags.
Negotiate Beyond the Price
Closing cost contributions, repairs, appliances, and move-in dates are all negotiable. Price is just one piece of the deal.
Work With Someone Who Can Handle Both Sides
As both your realtor and loan officer (NMLS 2250663), I manage your home search and financing in one conversation. No handoffs, no miscommunication.
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