First-Time Homebuyer Guide

Your step-by-step path to homeownership in Kitsap

No jargon. No pressure. Just a clear map of what to expect — personalized to where you are right now.

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Dream

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Prepare

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Pre-Approve

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Search

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Offer

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Close

Where are you in your journey?

Pick the stage that best describes you — we'll show you exactly what to focus on next.

Ready to take the next step?

Drop your info and we'll reach out with no pressure — just helpful answers to your questions.

No spam, no pressure. Just real answers from a real agent.

Common first-timer questions

How much do I actually need for a down payment?

As little as 0% (VA/USDA), 3% (conventional), or 3.5% (FHA). Washington State also has down payment assistance programs that can cover a big chunk.

Is it better to rent or buy right now?

It depends on your timeline. If you're planning to stay 3+ years, buying almost always wins in Kitsap. Use our Rent vs. Buy calculator for your specific numbers.

What does a buyer's agent cost me?

Nothing out of pocket. Buyer agent compensation is paid by the seller in most transactions. You get expert representation at no cost to you.

How long does the whole process take?

From "I'm ready" to keys: about 30–60 days once you're pre-approved and find a home. The pre-approval process itself takes 1–3 days with a responsive lender.

What credit score do I need?

Conventional: 620+. FHA: 580+ (3.5% down) or 500+ (10% down). VA: no minimum but lenders usually want 620+. Higher score = better rate.

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