Buying Your First Home Starts Here

Buying your first home is exciting—but it’s normal to feel nervous, unsure, or overwhelmed. Our First-Time Home Buyer Guide is designed to give you clarity, confidence, and a clear plan so you can move forward knowing what to expect every step of the way.

We proudly help first-time buyers throughout O’Fallon, Belleville, Mascoutah, and communities surrounding Scott Air Force Base.

You Don’t Need to Have It All Figured Out

Many first-time buyers worry about credit scores, down payments, student loans, or whether now is the “right” time to buy. The truth is—you don’t need perfect credit, 20% down, or a flawless financial picture to become a homeowner.

With the right guidance, homeownership may be closer than you think.

What credit scores lenders actually look for

  • The truth about down payments (including low & 0% down options)

  • Down payment assistance programs many buyers qualify for

  • How pre-approval strengthens your buying power

  • What to avoid after applying for a mortgage

  • Smart home search strategies for first-time buyers

  • A simple, step-by-step roadmap to homeownership

What First-Time Buyers Learn Inside Our Guide

Buying your first home doesn’t happen all at once—it happens step by step. We help you:

  1. Understand your finances and loan options

  2. Get pre-approved with a trusted lender

  3. Find homes that fit your budget and lifestyle

  4. Write a strong offer and negotiate with confidence

  5. Navigate inspections, appraisal, and closing

  6. Get the keys and move into your first home 🎉

Your Roadmap to Homeownership

We regularly help buyers who are:

  • First-time homeowners

  • Military and VA buyers

  • Relocating to the Scott AFB area

  • Renting now and ready to build equity

From virtual tours to flexible scheduling, we make the process approachable and stress-free—even if you’re relocating or buying while balancing work, family, or military life.

First-Time Buyers Near Scott AFB Welcome

Ready to Take the First Step?

Whether you’re just starting to explore or feel ready to buy, we’re here to help—no pressure, just honest guidance.

Frequently Asked Questions

  • No. You don’t need perfect credit to become a homeowner. Many loan programs—including FHA, VA, and other conventional options—are designed for buyers with a range of credit scores. A trusted lender can review your situation and help you understand what options you may qualify for and how to improve your score if needed.

  • Many first-time buyers are surprised to learn they don’t need 20% down. There are loan options available with as little as 3% down, and some qualified buyers—such as veterans—may be eligible for 0% down. In addition, down payment assistance programs may be available to help reduce upfront costs.

  • Yes. Many first-time buyers qualify for down payment assistance programs, grants, or special loan programs—but not everyone knows they exist. We help connect buyers with trusted lenders who can identify which programs are available and whether you qualify.

  • From pre-approval to closing, the process typically takes 30–60 days, depending on the market, financing, and inspections. We’ll walk you through the timeline upfront so there are no surprises.

  • Yes. We regularly help first-time buyers and military families relocating to the Scott AFB area. With virtual tours, flexible scheduling, and clear communication, buying from out of town can be a smooth and manageable experience.

  • Yes—getting pre-approved is one of the most important first steps. Pre-approval helps you understand your budget, strengthens your offer, and shows sellers you’re a serious buyer. It also helps prevent falling in love with a home that’s outside your comfort zone financially.

  • Once you apply for a mortgage, avoid making large purchases, opening or closing credit accounts, changing jobs, depositing large amounts of cash, or co-signing loans without talking to your lender first. Keeping your finances stable is key to a smooth closing.

  • Renting can make sense in some situations, but buying a home allows you to build equity and invest in your future. If you’re financially ready and plan to stay in the area, homeownership can provide long-term stability and wealth-building benefits. We can help you evaluate what makes the most sense for your situation.

  • Yes. Many first-time buyers have student loan debt and still successfully purchase a home. Student loans are considered just one part of your overall financial picture, and they don’t automatically disqualify you from buying. A lender can help assess your options.

  • Absolutely. Buying your first home is a big milestone, and it’s completely normal to feel nervous or unsure. Our job is to guide you through the process, explain each step clearly, and help you make confident, informed decisions.

Your First Home Is Possible

You don’t have to navigate this alone. With the right plan and the right team, buying your first home can feel exciting—not overwhelming.