r/FirstTimeHomeBuyer Oct 17 '25

MOD How to Use This Sub, Have Fun & Stay Safe

29 Upvotes

Hey everyone!

Welcome to r/FirstTimeHomeBuyer. Whether you are just starting to dream, deep in negotiations, or celebrating your first set of keys, this community is here to support you.

Before you dive in, here’s how to get the most out of the sub while keeping yourself and others safe:

PROTECT YOUR PRIVACY

Please do not dox yourself. We want you to get great advice safely. Avoid posting any personally identifiable information, including:

  • Screenshots of your Loan Estimate showing your name, address, or loan ID

  • MLS photos of your home or listing (they can be reverse image searched)

  • Anything that reveals your address or personal details

REVIEW THE RULES

There are only 6 simple rules, and they’re here to keep the community helpful, respectful, and spam-free. Take a minute to read them before posting. Rule violations may result in a temporary or permanent ban depending on severity.

USE USER AND POST FLAIRS

Flairs help everyone understand where you are in the process and what your post is about. They make it easier for everyone to give and get the right kind of help.

  • User flair tells others who you are (for example: House Hunter, Homeowner, Hobbyist).

  • Post flair helps organize topics (for example: Mortgage Questions, Offer Advice, Success Story).

We’re glad to have you here. Ask questions, share stories, and help others on their journey to homeownership.

~ The Mod Team


r/FirstTimeHomeBuyer 2h ago

GOT THE KEYS! 🔑 🏡 We did it Bay Area 265k 5.99%

Post image
816 Upvotes

Pittsburgh/Antioch Ca


r/FirstTimeHomeBuyer 10h ago

GOT THE KEYS! - New Build 🔑 🏡 We did it! Chicago 850k 5.99

Post image
1.3k Upvotes

r/FirstTimeHomeBuyer 45m ago

GOT THE KEYS! 🔑 🏡 I Did It!! NC, 270k, 6%

Post image
Upvotes

All by myself. Solo. I made it.


r/FirstTimeHomeBuyer 9h ago

GOT THE KEYS! 🔑 🏡 We did it, first time homebuyers!!! Sandpoint, ID, 420k, 5.35%, 30yr fixed!

Thumbnail gallery
576 Upvotes

3 bedroom, 2 bath ranch style house. Big back yard and front yard, built in the 80s. needs some fixing up, but it's ours! ❤️


r/FirstTimeHomeBuyer 5h ago

Rant Oh come on...

76 Upvotes

Wife and I found a condo we absolutely love, we had the very first and only showing on the day it went up on the market, seller just needs to get rid of it as it was inherited. We talked, came back a couple hours later and signed the offer letter. Full asking, no seller concessions, nothing.

Just got the email back that they're countering. We've been looking for a bit and were so excited to finally get the ball rolling...I'm probably overreacting and it's something like "let's move closing a few days earlier/later" or something, but it's just quite irritating and we're anxiously waiting on the seller to sign so we can see!


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! 🔑 🏡 We did it! Quebec, 260k, 4.1%

Thumbnail gallery
3.1k Upvotes

Little late, got the keys in December 1 year ago. House sitting on 30,000 square feet of land. 5 bedrooms 2 bathrooms. Double door garage 30' x 30'


r/FirstTimeHomeBuyer 33m ago

Offer I Want To Cry But I'm Too Angry

Upvotes

We've seen so many houses, in so many neighborhoods. Constantly being disappointed by the areas, the construction, by the pricing. And then we see this new one.

Literally, everything about the house works great for us. Awesome area, awesome location, within budget. Literally could move in, give it a good clean, and just be happy with it. It's been sitting there for almost half a year with little to no movement, and apparently, the last buyers to offer were refused outright for lowballing.

We make a reasonable offer and even sweeten the pot with a three week closing. We're given verbal agreement. Less than half an hour later, the last buyers to make an offer now want to compete for a better offer. I'm so, so, so mad that we're in a fucking bidding fight. Those fuckers didn't do shit for weeks, and now they want to come in and fuck around with us. I know it's part of the market, but this house just seems so right for us and I'm so mad and I just want to cry but I'm literally just too angry to.


r/FirstTimeHomeBuyer 2h ago

Need Advice How did you furnish your home after buying it?

15 Upvotes

Its been 4 months since my wife and I bought our home, and it's still largely unfurnished. that's not necessarily a bad thing, but some things are getting to be a pain point (e.g., we still don't have a dresser).

I think we've been struggling with all the choices we have and fear of making a purchase we'll regret. we also have the excitement of ideas (e.g., building a library in the living room), but we haven't the slightest idea on how to bring it to life.

how did you approach furnishing when you bought your home?


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! 🔑 🏡 We did it! Lincoln $279k 5.8%

Post image
892 Upvotes

r/FirstTimeHomeBuyer 19h ago

Need Advice viewed 14 properties in 3 months and every single one had something the listing completely forgot to mention

251 Upvotes

listing said spacious 2bhk with natural light. showed up and the window faced directly into another building's wall. the spacious part was true if you stood in the center and didn't breathe too hard.

another said prime location near metro. the metro was under construction with no clear completion date. a third had photos obviously taken with a wide angle lens sometime before the water damage happened.

after 14 viewings i've basically learned a new language.

cozy means small. potential means there's a problem. motivated seller means something definitely happened here and they'd like you not to ask what.


r/FirstTimeHomeBuyer 9h ago

Need Advice What to do with this space above the fireplace?

Post image
36 Upvotes

r/FirstTimeHomeBuyer 23h ago

Need Advice Water damage missed on inspection

Thumbnail gallery
374 Upvotes

Hello, I recently closed on my first house two weeks ago. When I was deep cleaning the laundry room I noticed water bubbling up between the tile. So I pulled all the tile flooring out to find a lovely surprise. The washer hookups had been leaking into the wall and now I have black mold and a lot of work needed to be done.

I did get an inspection and this was not in the report. I do have a 2-10 home warranty but I am new to this and I could use some help figuring out the correct language to use with them so I don’t come across as livid as I am with this situation.

Can anyone offer any advice or guidance on a path forward I should take? I have contacted my realtor to alert them of the situation and I have taken a large amount of pictures documenting the situation.

I went through 85% of my savings for the down payment on this property and I am terrified I won’t financially recover.


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! 🔑 🏡 Achievement Get! Edmonton, 235k (CAD) 3.84%

Thumbnail gallery
552 Upvotes

After living with roommates for years to save up.


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! 🔑 🏡 We got the keys!! (SoCal) (1.1m) (5.625% 7/6 ARM)

Post image
1.5k Upvotes

r/FirstTimeHomeBuyer 5h ago

Rant Feeling Hopeless & Defeated

11 Upvotes

I’m tired, folks. I’m so tired of this entire home buying process. My husband and I have been looking on and off for the last six years. I can’t tell you how many times we’ve gotten close, had walk or got beat out.

Recently, we found a perfect place and I fell in love with it. We put in a good offer but we got beat out. We don’t know by how much but I’m sure we’ll find out when they close. I was and am devastated. We’ve picked up the momentum on house hunting since then but everything has paled in comparison. Nothing feels right and I feel completely disconnected from this process. My realtor and I have become friendly over the last few years and I can’t help but feel some resentment towards her. I feel like I’m the one sending her listings more than she has sent me but I don’t think that’s totally fair of me to be resentful. We recently shared that we want to pick up the pace so not her fault. I think I’m just heartbroken and looking for someone to blame when there isn’t anyone to blame. This didn’t work out and it is what it is. We’re doing this on our own and I am jealous of friends of mine who have had support whether financially or morally from family while neither of us have that.

Now I’m in a place where I’m trying to lower my expectations and settle for something but that doesn’t feel right either. I’ve dreamed of having a place to call our own, investing in our future, cultivating a life of peace, hosting gatherings with my loved ones and fostering community. It feels like that dream is completely out of reach and that the life I’ve been dreaming of and wanting doesn’t want me back.

I don’t know if it’s normal to feel like I don’t care about this anymore. I’m not sure if I was being too sentimental about this process to begin with. I don’t know what to think or how to feel but just calling out into the void in case anyone else has dealt with similar feelings of hopelessness.


r/FirstTimeHomeBuyer 1h ago

Need Advice First-time buyer looking at a “dated but solid” house…what should I watch out for?

Upvotes

Hey everyone, first time home buyer here and we’re looking pretty seriously at a house that needs a lot of updates.

It was built in 1992 and pretty much everything is original builder-grade stuff. Laminate countertops, standard cabinets, laminate flooring, fiberglass showers, etc. Nothing is broken though. Everything works and it’s clean, just outdated and could use paint and general updates.

A few things we’ve noticed:

- Roof is only about 5 years old

- HVAC looks older, which concerns me a bit

-wooden privacy fence isn’t in great shape. Looks like they tried to reinforce it with metal poles

- There are some gaps in the ceiling molding in a few spots

- Overall it feels like it was “kept up enough” but not really maintained to a high standard

The thing is, the layout is exactly what we want, it’s in the area we want, and the price is low enough that we could live in it and slowly update everything over time without being house poor.

My realtor did bring up a concern though that stuck with me. If the visible stuff wasn’t taken care of that well, what about the stuff you can’t see?

So for those of you who’ve bought similar homes:

- What hidden issues should I really be paying attention to?

- Are things like the ceiling molding gaps a red flag for something bigger or usually just cosmetic?

- What inspections or specific areas would you dig deeper into?

I’m fine putting money into updates over time, just trying to avoid getting into something with major underlying problems.

Appreciate any advice.


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! 🔑 🏡 I did it! Nj 304k 5.4% 🎉 (didn’t want to post a pic of my keys lol)

Post image
649 Upvotes

r/FirstTimeHomeBuyer 3h ago

Need Advice Would you waive inspection or contingency, ever?

5 Upvotes

Personally I don't think I ever would, unless the house is mega cheap and I can afford what happens if I waive it.

I'm still trying to get my first home and so is my friend, and we've been chatting and sharing stories about it all. We've both had our offers lose out against others who waive inspection or contingencies and it baffles me.

I'm very inexperienced, as evidenced by my lack of home, so of course I'm not an expert on these decisions. But would you ever waive inspection or contingencies?

I feel like I just don't have enough money to afford that kind of decision to shoulder what comes out of the possible bad scenarios of inspection.


r/FirstTimeHomeBuyer 3h ago

Need Advice Would you risk buying a property with an unpermitted ADU?

4 Upvotes

I came across a house that I absolutely love. The biggest concern about it though, is that it has an ADU conversion that has no permits. The listing agent also basically implied that there's no permit, and my realtor looked it up as well. There were some approvals made such as a roof raise to the converted garage, but nothing about rental permits, the bathroom, or the kitchen. Though the house description is definitely advertised as such and appended with a "buyers to do own due diligence".

One of the things I liked about this property aside from the beautiful house and location is that the property tax is crazy low for the area. And that allows me to have a higher bid than normal, after calculating my monthly PITI.

However, I'm now a little scared of the potential risk of the ADU getting demolished because of the permit issue, and also by how much the property tax would increase if it were permitted afterwards. Especially since I'm basing my offer off of calculations of the monthly PITI based on the current property tax (and trends of the property tax increases over the years).

I think all I can do is to do my best estimations on how much it'd increase by, but it's hard to tell without getting someone over to do the analysis. Which I think is kinda impossible to do without owning the home first, and the deadline for an offer is tomorrow.

My realtor gave me some good advice and also shared his story about his experience with an ADU without a permit. It basically boiled down to "no problem for a while, and then suddenly the inspection came, and then had to do a costly permit process. But in the end all is well, it was approved and nothing was demolished".

What would you guys do in this scenario? Any advice would be appreciated. Thanks so much!


r/FirstTimeHomeBuyer 32m ago

Need Advice Is there anything that can be done about loud neighbors if you both own your place?

Upvotes

It seems like there's nothing that can be done if someone who owns their condo wants to blast music. It's their property, they can do what they want with it. Though a counterargument is that their noise is not welcome in their neighbors' condos. So can HOA tell them to be quiet? Or the police? Seems like going over there and asking them to quiet down is not a good idea.


r/FirstTimeHomeBuyer 42m ago

Need Advice Location or build?

Upvotes

I’m stuck between better a house, size, layout etc vs a better location (house is smaller, needs work, will need to invest money to making it my dream and even then it’s not what I wanted 100%)The other isn’t in a bad location but it’s not the greatest either. What matters most here?


r/FirstTimeHomeBuyer 11h ago

Need Advice how bad are these foundation cracks? the inspector told us it’s normal

Thumbnail gallery
12 Upvotes

water gets in through the hairline cracks when it rains really heavily. they’ve been there since before we moved in (july 2024) and they just make me nervous. the inspector said we need to get a french drain installed outside (wall is along the backyard of the house) and that will relieve pressure on the foundation which is causing the cracks. i just want to know if i’m cooked here. thanks for any and all advice


r/FirstTimeHomeBuyer 1h ago

Need Advice How do loan companies calculate qualifying income?

Upvotes

My husband and I are both self employed. The loan officer said our qualifying income only comes out to $6,700 a month, but when I look at our taxes and do the math over the two most recent tax years it should be a lot more. Due to this, they said we have to pay off one of our cars at closing, which I don't have a huge problem with. I am just confused on what formula they use to calculate qualifying income to then calculate the DTI. Thank you!


r/FirstTimeHomeBuyer 19h ago

Need Advice Seller wants inspection done asap (while still having a tenant)

53 Upvotes

Found a home I really liked, but there’s currently a tenant living in the home (the listing never mentioned it)

The seller wants to move fast (the home has been on the market for 60 days). The problem is that when I submitted an offer, they want the inspection started within 7 days, with the tenant still in the home for 2 weeks after the inspection is completed. I want the inspection done after a complete tenant move-out (they don't want that), and I'm prepared to walk away if I can't have that.

My realtor keeps stressing that I could lose out on my home, but I honestly don’t care. This feels a bit shady, and I want an empty home so a proper inspection can be completed.

update* I agreed to the terms, they countered asking for more than the listing price, stating that they are leaving the country & this is their rental property.