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Buying your first home doesn’t have to feel confusing or overwhelming. In this video, I break down everything first-time homebuyers need to know — step by step — so you can make smart, confident decisions before you start shopping. No upsells. No pressure. No gimmicks. Just real information you can actually use. Here’s what we cover: ✅ How much home you can truly afford ✅ Credit score tips & how lenders calculate approvals ✅ Down payment vs closing costs (and what you really need to bring) ✅ Loan options explained simply (FHA, Conventional, VA, USDA & more) ✅ Down payment assistance & grant programs ✅ How debt-to-income (DTI) works ✅ What NOT to do before closing ✅ The full buying process from pre-approval to keys ✅ Common mistakes that cost buyers thousands Whether you’re 3 months or 3 years away from buying, this video will help you plan smarter, save money, and avoid costly surprises. If you want to run your personal numbers or see what you qualify for, I’m happy to help — no pressure, just guidance. 📩 Reach out anytime or connect here: Linktr.ee/mylenderkaren #FirstTimeHomeBuyer #HomeBuyingTips #MortgageEducation #DownPaymentAssistance #RealEstate101 #HomeLoans #FinancialFreedom #MyLenderKaren