Tips For First-Time Home Buyers


The Market with Marcus
Marcus Rodriguez Real Estate
DRE# 02005100


Buying your first home is a big milestone — but it can also feel overwhelming. From mortgage pre-approvals to inspections, there’s a lot to navigate. If you’re a first-time home buyer in Merced or anywhere in California, here are some practical tips to help you move forward with confidence.

Get Pre-Approved First

Before you tour a single home, talk to a trusted lender and get pre-approved for a mortgage. This gives you a clear budget and makes your offer stronger when the right property comes along.


👉 Learn more about buying in Merced

Know Your Full Budget

Your payment is more than just the home price. Be sure to factor in:

  • Property taxes

  • Homeowners insurance

  • HOA fees (if applicable)

  • Utilities and maintenance


Understanding your true monthly cost helps you stay comfortable long after closing.

Explore Assistance Programs

California offers programs designed for first-time buyers. FHA, VA, and CalHFA loans may help you qualify with a lower down payment.

👉 See California Housing Finance Agency programs 

Work With a Local Realtor

The Merced housing market is competitive, and neighborhoods vary widely. A knowledgeable Merced Realtor can guide you, negotiate for you, and help you avoid costly mistakes.

👉 Work with Marcus Rodriguez, Merced Realtor® 

Don’t Skip the Inspection

Even if the home looks perfect, always schedule a professional inspection. It protects your investment and can give you leverage to request repairs or credits.

Think Long-Term

Ask yourself:

  • Will this home fit your lifestyle in 5–10 years?

  • Is the neighborhood growing?

  • Does it offer potential for equity growth?

Remember, real estate is one of the best long-term wealth-building tools.

Final Thoughts

Buying your first home in Merced doesn’t have to be stressful. With preparation and the right guidance, you can enjoy the process and make smart decisions.

📌 Schedule a consultation with me to take the first step toward homeownership.

Read my 5-star client reviews. My Google Reviews. 💬


- Your Realtor, 

Marcus



209.875.8212 | info@myagentmarcus.com | www.myrealtormarcus.com | IG @Markyy_Markk


Location: Merced, CA, USA

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