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Buying your first home in 2026? Before you start touring houses or scrolling Zillow, there are 5 critical steps every first-time home buyer needs to know. In this video, Illinois Realtor Jamie Hering explains how to prepare financially, understand loan options like Conventional, FHA, and VA loans, and why getting pre-approved is one of the most important steps before making an offer. You’ll also learn how much cash buyers typically need for a $400,000 home, including down payment, inspections, and closing costs. If you’re planning to buy a home in Lake County, Illinois, or Southeast Wisconsin, these are the steps that will help you compete in today’s market. What you'll learn in this video • Why scrolling Zillow can give buyers the wrong expectations • The first step every buyer should take before house hunting • How pre-approval strengthens your offer • How to set a realistic home buying budget • Why choosing the right location early matters • How working with a Realtor early can give you a competitive advantage Chapters 00:00 Intro – Stop scrolling Zillow 00:27 Why Zillow browsing can be misleading 01:20 Step 1 – Talk to a lender first 02:25 Step 2 – Understand your true budget 03:45 Step 3 – Identify the right locations 04:50 Step 4 – Define your must-haves vs nice-to-haves 06:00 Step 5 – Work with a Realtor early 07:05 Final thoughts and buyer strategy tips Jamie Hering and The Hering Homes Team have helped buyers and sellers complete 1,300+ home sales across Lake County, Illinois. Start your home search here: https://realtorjamie.com #realestate #buyingahome #firsttimehomebuyer #illinoisrealtor #howtobuyahome #chicagosuburbs #fhamortgage #zillow #homebuyeradvice