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Discover essential home buying tips in this episode of Coffee with Real Estate, where expert realtor Kurt shares practical advice for first-time home buyers and seasoned purchasers preparing for their next move. As buying season approaches, learn the critical factors to consider before purchasing a home to avoid costly mistakes and secure your dream property.

Start with understanding true affordability beyond just the mortgage—factor in property taxes, rising homeowners insurance rates (up significantly in recent years), HOA fees, and private mortgage insurance if down payment is under 20%. Get pre-approved by a qualified lender to clarify your full budget, review credit, explore loan options like FHA or VA for lower down payments, and shop lenders for the best rates.

Explore why location and neighborhood matter for daily life, quality of life, and long-term resale value—established areas often outperform new master-planned communities facing future competition. Discuss future lifestyle needs, from growing families to hobby spaces, ensuring the home fits your evolving life. Never skip a professional home inspection to uncover hidden issues sellers may not know about.

Understand current market conditions and timing—whether negotiating in a buyer's market or competing in a hot one, your experienced realtor guides you. Build a strong team: trusted realtor, lender, and inspector for a smooth process.

Whether you're a first-time buyer or upgrading, these real estate insights empower confident decisions. Tune in for fun real estate chat over coffee and actionable steps toward successful homeownership. Perfect for realtors sharing client advice or buyers navigating the market in 2026. Subscribe for more home buying strategies!