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5 Things First-Time Homebuyers Always Forget to Ask

12 Jan 2025

Buying your first home is exciting, but it can also be a little overwhelming. With so much to think about — from mortgages and inspections to offers and moving dates — it’s easy to miss some important questions along the way. If you're new to the process, asking the right questions can save you a lot of stress later. Here are five things that many first-time buyers forget to ask — and why they matter.

One of the biggest mistakes first-time buyers make is focusing only on the mortgage payment. While that number is important, it’s not the full picture. You'll also need to budget for property taxes, home insurance, utility bills, and possibly HOA fees. These monthly costs can add up quickly, so it’s a good idea to ask for estimates before making an offer. Knowing the full monthly expense will help you choose a home you can comfortably afford.

Another thing people often overlook is the condition of major systems and appliances in the home. It’s easy to get caught up in how the kitchen looks or how much light the living room gets. But things like the roof, air conditioner, heating system, and water heater are expensive to replace. Ask how old they are and whether they’ve been regularly maintained. Even if they’re working now, an aging system could mean a big repair bill shortly after you move in.

Many buyers visit a home during the day, but neighborhoods can feel very different in the evening or on weekends. It's smart to come back at different times to see what the area is really like. Is it quiet at night? Is there heavy traffic during rush hour? Are there kids playing outside or noisy neighbors? These are things that won't show up in a listing, but they can make a big difference in how much you enjoy living there.

Buying your first home comes with a learning curve, but asking the right questions can make all the difference. Taking the time to look beyond the surface now will help you make a smart, confident decision you’ll be happy with for years to come.