We've helped hundreds of first-time buyers across Southern California navigate this exact decision. This checklist gives you the same framework we use.
Know Exactly How Much to Save: Most first-time buyers save for the down payment and forget about the emergency fund. We'll show you the real number you need to buy comfortably in Orange County.
Understand the 5-Year Rule: Real estate is a long-term play. Find out why selling in less than 5 years might cost you money—even if your home appreciated.
Avoid the Down Payment Trap: Learn why having a down payment isn't enough—and what happens if you close without an emergency fund.
Assess Your Income Stability: A mortgage is a 30-year commitment. Understand what "stable income" really means and whether your job situation supports homeownership.
Get Emotionally Prepared: Homeownership is messy, expensive, and imperfect. This checklist helps you figure out if you're emotionally ready for the reality—not just the Instagram version.
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