First-Time Homebuyer Roadmap: Every Step From Pre-Approval to Move-In

Buying your first home is exciting—but it can also feel overwhelming if you’re not sure what to expect. This step-by-step guide breaks down the entire process, from getting pre-approved to receiving the keys on closing day. Whether you’re looking in St. Augustine, St. Johns, Ponte Vedra Beach, or World Golf Village, this roadmap will help you move forward with confidence.

1. Get Pre-Approved for a Mortgage

Your homebuying journey starts with understanding how much you can afford. A pre-approval letter shows sellers you’re a serious buyer and gives you a clear price range before you begin shopping.

• Gather recent pay stubs, bank statements, and tax returns.
• Compare rates from multiple lenders or mortgage brokers.
• Aim to get pre-approved—not just pre-qualified.

Tip: Ask your lender about programs for first-time buyers, lower down payments, and closing-cost assistance.

2. Choose the Right Real Estate Agent

Partnering with an experienced agent who knows the local market is one of the smartest decisions you can make. The right agent helps you:

• Identify the best neighborhoods based on your lifestyle and budget.
• Spot potential red flags in homes or contracts.
• Navigate negotiations, inspections, and deadlines.

Locally, look for an agent familiar with St. Johns County communities—from coastal areas like Vilano Beach and Crescent Beach to inland areas like St. Augustine South and Nocatee.

3. Start Touring Homes

Once your price range is set, your agent will schedule showings in the areas you’re interested in. As you tour properties, consider:

• Commute times and school zones
• Neighborhood amenities
• Age of the home and major systems (roof, HVAC, plumbing)
• HOA rules and monthly fees

Tip: Don’t be afraid to take notes or photos—homes can start to blend together after a few showings.

4. Make an Offer

When you find the right home, your agent will help you write a competitive offer. This typically includes:

• Offer price
• Earnest money deposit amount
• Inspection and financing contingencies
• Requested closing timeline

Your agent will research comparable sales (“comps”) and market conditions to help you craft a strong offer.

5. Schedule the Home Inspection

A professional inspection protects your investment. Your inspector will evaluate the home’s structure, systems, and components—identifying issues that may need repair or negotiation.

Based on findings, you can:

• Request repairs
• Renegotiate the price
• Walk away (if your contract allows)

6. Complete the Appraisal & Loan Approval

Your lender will order an appraisal to confirm the home’s market value. At the same time, underwriting will verify your income, assets, and credit.

During this stage, avoid making major financial changes like opening new credit cards or large purchases.

7. Review Closing Documents

A few days before closing, you’ll receive a Closing Disclosure outlining your final loan terms, interest rate, and closing costs. Review this document carefully.

Your agent and lender should help explain anything that isn’t clear.

8. Final Walk-Through

The day before—or the morning of—closing, you’ll walk through the home one last time to confirm:

• Repairs (if any) were completed
• No new damage has occurred
• Everything agreed upon in the contract is in place

9. Closing Day: Sign & Get Your Keys

At closing, you’ll sign your final loan documents, provide your down payment and closing costs, and the home will officially transfer into your name.

Congratulations—you’re a homeowner!

10. Move In & Enjoy Your New Home

Once the sale is recorded, the keys are yours. Time to move in, personalize your space, and enjoy life in your new community.

Whether you’re settling into a coastal home on Anastasia Island or a golf community in World Golf Village, St. Johns County has something for everyone.

Thinking About Buying a Home?

If you’re beginning your homebuying journey, now is the perfect time to connect with a local expert who can guide you through every step with confidence.