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Major Causes of House Fires and How to Prevent Them

A Guide for First-Time Home Buyers (RAMSEY SOLUTIONS): 14 Tips

1. 1. Pay off all debt and build an emergency fund.
   2. Use the 25% rule to see how much house you can afford.
   3. Save a down payment.
   4. Save for closing costs.
   5. Avoid the worst mortgages for first-time home buyers.
   6. Know the best mortgage for first-time home buyers.
   7. Pick a lender you’re comfortable with.
   8. Get preapproved for a loan before house hunting.
   9. Find a trustworthy real estate agent to be your Buyer Representative – THEY WORK FOR YOU ONLY.
   10. Get clear on needs versus wants.
   11. Start looking for a house.
   12. Make an offer on a house (within your budget).
   13. Pay the deposit and start the mortgage process.
   14. Close the deal.