So, it’s your First Time Buying a Home……
Buying your first home is a big milestone—and it’s completely normal to feel both excited and overwhelmed. That’s why I’m here to guide you every step of the way. From understanding the buying process to connecting you with trusted lenders and answering all your questions (big or small), my goal is to make your first home-buying experience smooth, informed, and even fun.
Let’s turn your dream of homeownership into a reality—together
The ultimate Home Buyer Checklist
What should we know about buying a home? What does this process look like?
How can I achieve this?
I’ve created a detailed Home Buying Checklist designed specifically for first-time buyers. It’s broken down into four clear phases, each one guiding you step-by-step toward successfully closing on your first home.
Phase One
Financial Preparation
Step 1.
Check your credit score
• Aim for 620+ for conventional loans; higher scores get better rates.
• Review for errors and pay down debts if possible.
Step 2. Create a budget
• Factor in down payment, closing costs, monthly mortgage, taxes, insurance, utilities, and maintenance.
• Use an online mortgage calculator for estimates.
Step 3. Save for a down payment
• 3%–20% depending on the loan type.
• Consider programs for first-time buyers (e.g., FHA, VA, USDA, you can also ask me or your lender for these)
Step 4. Avoid big purchases or opening new credit lines
• Lenders will re-check your credit before closing.
Phase Two
Get Pre-Approved
Step 5.
Choose a lender and get pre-approved
• This shows sellers you’re serious and helps set your budget.
• Gather financial documents (W-2s, tax returns, bank statements, ID).
Step 6. Understand your loan options
• Fixed-rate vs. adjustable-rate
• FHA vs. conventional vs. VA/USDA (if qualified)
Phase Three
Start Your Home Search
Step 7.
Hire a real estate agent you trust
• A good agent guides you through the process, advocates for your interests and needs all while communicating with you.
Step 8. Define your needs vs. wants
• “Must-haves” (e.g., number of bedrooms, school district)
• “Nice-to-haves” (e.g., pool, updated kitchen)
Step 9. Research neighborhoods
• Commute times, crime rates, amenities, future development
Step 10. Attend showings and open houses
• Take notes and photos to compare later.
Phase Four
Make an Offer & Close
Step 11. Make a competitive offer
• Your agent will help determine a fair price and submit the offer.
Step 12. Schedule a home inspection
• Uncover potential issues and negotiate repairs if needed. Your realtor will also guide you here when the time comes
Step 13. Get a home appraisal
• Required by lenders to confirm property value.
Step 14. Secure homeowners insurance
• Needed before closing.
Step 15. Do a final walk-through
• Ensure repairs were made and the home is in agreed condition.
Step 16. Close on your home
• Review and sign final documents, pay closing costs, and get your keys!
So…..
Now you need a lender to get pre-approved. Lucky for you I know a few 😉
Meet Marco Rodiles
Loan Officer with Lake Area Mortgage
Marco Rodiles a straightforward, hardworking loan officer known for his honesty, assertiveness, and “get the job done” attitude.
He takes pride in guiding clients through the loan process with clarity and confidence—especially first-time buyers and those using ITINs.
In 2023, he was recognized for achieving the highest loan volume, a reflection of both his dedication and results-driven mindset. Despite his strong work ethic, Marco remains grounded, kind, and family-oriented—always treating clients like people, not numbers.
Habla Espanol!
Meet Amanda Tellez-Casey
An amazing mortgage advisor with Think Bank, she is of the best mortgage advisors there are! Here is a little about her, from Amanda herself….
“Since 2018, I’ve helped clients across Minnesota and Wisconsin navigate the mortgage process with confidence. I bring a wealth of experience to the table, having supported hundreds of buyers through unique and complex scenarios – no two loans are ever quite the same, and that’s what keeps me passionate about what I do!
My approach is always personalized: whether you want a detailed, educational experience, or a simplified, streamlined one, I’ll meet you where you’re at. I believe homeownership is one of the most empowering financial steps a person can take, and I’m honored to help others achieve that milestone.
Outside of lending, I am a proud wife and mom of two, a devoted dog lover, book enthusiast, and plant caretaker. I bring that same care and attentiveness to my clients – because your goals deserve thoughtful guidance every step of the way.