Your First Home Awaits
Buying your first home is one of the biggest financial decisions you'll ever make. If you're looking to buy in Pennsylvania or New Jersey, you're in the right place. The Taberne Group has helped hundreds of first-time buyers navigate the process.
Step 1: Check Your Credit Score
Before anything else, pull your credit report from all three bureaus. Most conventional loans require a minimum score of 620, while FHA loans can go as low as 580 with 3.5% down. If your score needs work, we can help you create a plan to improve it.
Step 2: Get Pre-Approved
A pre-approval letter shows sellers you're serious. It involves a full review of your income, assets, and credit history. The Taberne Group can typically get you pre-approved within 24-48 hours.
What You'll Need:
Step 3: Understand Your Loan Options
Step 4: Set Your Budget
Your monthly mortgage payment should generally not exceed 28% of your gross monthly income. Don't forget to factor in property taxes, insurance, and PMI if your down payment is under 20%.
Step 5: Start House Hunting
Work with a real estate agent who knows your target area. In the Philadelphia metro and South Jersey markets, homes can move fast — having your pre-approval ready is essential.
Step 6: Make an Offer and Close
Once you find the right home, your agent will help you submit a competitive offer. After acceptance, we'll finalize your loan, order the appraisal, and guide you through to closing day.
Ready to Get Started?
The Taberne Group is here to make your first home purchase as smooth as possible. Contact us today to get pre-approved!