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Buying a house for the first time

Buying a house for the first time? Here’s everything you need to know.

When you’re buying a house for the first time, you undoubtedly have a lot of questions: “How do I choose a realtor? How much house can I afford? What’s the difference between a conventional and a jumbo loan? And most importantly, how do I avoid mistakes and pitfalls when I’m making the largest financial decision of my life?”

Those questions – and the incredibly complicated process of purchasing a house and applying for a mortgage – are what make buying a house for the first time so overwhelming. Fortunately, a homebuyer education course from American Consumer Credit Counseling (ACCC) can help. Full of home buying tips and advice for first time buyers, ACCC’s classes will help you keep your wits and your pocketbook intact when buying a house for the first time. And when coupled with ACCC’s credit and housing counseling, you’ll have access to everything you need to know about homebuying.

ACCC delivers helpful advice on buying a house for the first time.

ACCC is a nonprofit organization dedicated to helping consumers achieve financial health through financial education, counseling and debt management. When you’re buying a house for the first time, our team can provide a variety of resources.

The place to begin when buying a house for the first time is to really take a hard look at your finances and determine how much house you can afford. We can help with that, and with setting a budget to save for a down payment as well as your future mortgage payments. We can also provide tips on how to improve your credit score – that may help you qualify for better terms on a mortgage.

We encourage first time house buyers to take a homebuyer education course. At ACCC we offer courses in-person and online – the online version is optimized for your mobile device, so you can work on your course with your smart phone or tablet, anywhere and anytime. The course will give you a complete overview of the homebuying process and familiarize you with all the concepts, terminology, and products you’ll encounter when you’re buying a house for the first time.

Benefits of homebuyer education when you’re buying a house for the first time

When you come to ACCC for help and advice on buying a house, you will get:

  • A clear understanding of how the homebuying process works.
  • Help to determine how large a mortgage you can afford, and which type of loan is right for you.
  • Information about federal loans available to first-time home buyers.
  • Access to educational materials about the homebuying process.

In addition to providing help for first time home buyers, we also offer free credit counseling, help with student loans, bankruptcy counseling and debt management programs that can help you get out of debt faster.

Learn more about buying a house for the first time with help from ACCC.

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