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First Time Homebuyer Masthead

8 Steps to Homeownership

Homebuying Articles

Homebuying FAQs

  • How do I know if I am ready to buy a home?
    There are several considerations when approaching homeownership. First, determine your financial security. Do you have a steady income, adequate savings, and little debt? Can you afford a decent down payment, closing costs, and additional fees? What is your credit score? Once you answer these questions, reflect on your present state and that of your family. Are you happy living where you are? Would you move in a few years? Is your family small, or do you see little ones in your future? Talk these things over with your family and friends, those who know you best, and do not hesitate to reach out to professionals who can advise you on making a home purchase.
  • How much do I need for a down payment?
    A down payment is 3% to 20% of the sale price paid in cash at the time of the home purchase. The more you put down, the lower your monthly mortgage payments will be. Ideally, you want to put 20% down to avoid paying for private mortgage insurance; however, some loan programs accept less money down. Your lender is required to disclose all mortgage fees, so shop around with loan offices till you find the best deal.
  • Do I need a real estate agent to purchase a new Lennar home?
    No, you do not need a real estate agent to purchase a new home from Lennar or one of our subsidiaries. Our New Home Consultants are with you every step of your new home journey, from shop to buy to close, answering questions and ensuring your smooth transition into homeownership. However, should you already be working with an agent, they are required to accompany and register with you during your first visit to a Lennar Welcome Home Center in your community of interest.

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