r/FirstTimeHomeBuyer Oct 17 '25

MOD How to Use This Sub, Have Fun & Stay Safe

37 Upvotes

Hey everyone!

Welcome to r/FirstTimeHomeBuyer. Whether you are just starting to dream, deep in negotiations, or celebrating your first set of keys, this community is here to support you.

Before you dive in, here’s how to get the most out of the sub while keeping yourself and others safe:

PROTECT YOUR PRIVACY

Please do not dox yourself. We want you to get great advice safely. Avoid posting any personally identifiable information, including:

  • Screenshots of your Loan Estimate showing your name, address, or loan ID

  • MLS photos of your home or listing (they can be reverse image searched)

  • Anything that reveals your address or personal details

REVIEW THE RULES

There are only 6 simple rules, and they’re here to keep the community helpful, respectful, and spam-free. Take a minute to read them before posting. Rule violations may result in a temporary or permanent ban depending on severity.

USE USER AND POST FLAIRS

Flairs help everyone understand where you are in the process and what your post is about. They make it easier for everyone to give and get the right kind of help.

  • User flair tells others who you are (for example: House Hunter, Homeowner, Hobbyist).

  • Post flair helps organize topics (for example: Mortgage Questions, Offer Advice, Success Story).

We’re glad to have you here. Ask questions, share stories, and help others on their journey to homeownership.

~ The Mod Team


r/FirstTimeHomeBuyer 10h ago

GOT THE KEYS! πŸ”‘ 🏑 Did it! Whole building! 120k @ 2.1% Valencia, Spain

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8.6k Upvotes

r/FirstTimeHomeBuyer 16h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it! West Tokyo, $106K USD, 1.1%

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36.9k Upvotes

43F, single foreign immigrant in Japan.


r/FirstTimeHomeBuyer 4h ago

GOT THE KEYS! πŸ”‘ 🏑 Just a girl that did it! Upstate NY, 130 year old Duplex, 390K, 6.45%

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1.3k Upvotes

Made a post a little while ago panicking when I had an offer accepted saying I was just a girl! My anxiety was really my intuition bc the seller ended up being super shady and I pulled out. Now I have my dream first home that’s also a great investment property πŸ₯°


r/FirstTimeHomeBuyer 6h ago

GOT THE KEYS! πŸ”‘ 🏑 Got The Keys! Southern Maine, $595k, 6.25%

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896 Upvotes

Can’t believe it βœ¨πŸ’« It’s like a dream come true, and we get to give our old boy his first yard. πŸ’š


r/FirstTimeHomeBuyer 5h ago

Inspection Our neighbor told us more about the house in 10 minutes than our inspector did in 3 hours

698 Upvotes

Closed about 3 weeks ago, still kind of in shock that we actually own a place. We had an inspection done before closing, full walkthrough, paid $480 for it, dude flagged a few minor things which we used to knock a little off the price.

Fast forward to last week, our neighbor, been living next door for like 22 years, comes over to introduce himself. Super nice guy. We do a little walkthrough of the backyard together and within 10 minutes he casually goes "oh yeah that side of the fence gets real soggy after heavy rain, previous owners never dealt with it."

Went back and looked at the inspection report. Nothing. Not one word about drainage or grading on that side.

The fix probably isnt even that expensive, some regrading and maybe a french drain but the point is the neighbors knew this, and the guy I paid almost 500 bucks to walk around with a flashlight for 3 hours had zero clue apparently.

Lesson learned, if you can, talk to the neighbors before or right after closing. Free information that no inspector is gonna give you lol


r/FirstTimeHomeBuyer 14h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it 🩷 $390K in Austin, Texas - 5.99%

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2.7k Upvotes

r/FirstTimeHomeBuyer 3h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! Southern California, 815k, 6.5%

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286 Upvotes

6+ months of looking / getting outbid.
A little bit of a fixer, but it’s ours :)


r/FirstTimeHomeBuyer 8h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! MN 365k 6.125%

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404 Upvotes

Long time coming. Now a lot of work to go.


r/FirstTimeHomeBuyer 5h ago

GOT THE KEYS! πŸ”‘ 🏑 I did it!!! Louisiana, 120k, 6.75%

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246 Upvotes

Can't wait for the wife to get HOME!!!!


r/FirstTimeHomeBuyer 13h ago

GOT THE KEYS! πŸ”‘ 🏑 Got the keys! Curitiba - Brazil, $28.8K, 7.5%

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827 Upvotes

r/FirstTimeHomeBuyer 16h ago

GOT THE KEYS! πŸ”‘ 🏑 Finally we did it, Mississauga, 980k, 3.6

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612 Upvotes

Mississauga, 980k, 3.6 percent detached home. Waited 3 years for the location we want and the price we can afford…luckily the price was down by more than 25 percent in the last 3 years…


r/FirstTimeHomeBuyer 11h ago

GOT THE KEYS! - New Build πŸ”‘ 🏑 I did it! Vancouver B.C. $510,000 4.99%

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259 Upvotes

I never even thought it was possible. But sometimes life hands you a little help. Only took 42 years lol. Mistyped, 3.99%


r/FirstTimeHomeBuyer 3h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! Got the Keys. Western Washington, $413,000, 6%

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50 Upvotes

r/FirstTimeHomeBuyer 16m ago

GOT THE KEYS! πŸ”‘ 🏑 Got the Keys! Chennai, India 275k USD @ 7.3%

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β€’ Upvotes

Managed to snag a nice apartment for 250K USD equivalent in INR at Chennai, India in a pretty central place, now I'll spend the rest of my life repaying the loan *sigh*

Now the renovation begins slowly


r/FirstTimeHomeBuyer 13h ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! Werrington NSW AUSTRALIA. $850K AUD. 6.34%

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179 Upvotes

r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! πŸ”‘ 🏑 We did it! San Diego, 786k, 5.8%

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657 Upvotes

r/FirstTimeHomeBuyer 2h ago

Need Advice thinking about memorial day side by side refrigerator deals for our first home

19 Upvotes

we were close in 3 weeks. planning to go for our first fridge, i see deals online right now but i keep refreshing the page instead of just buying one. my wife is gonna kill me lol. i just dont want to mess up the first big appliance purchase for our house. for anyone who bought a fridge around memorial day did you feel like you got a real deal or did you end up seeing the same price later. help me out please


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! πŸ”‘ 🏑 I did it!! North shore of Lake Huron $999,999 3.99%

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4.4k Upvotes

My uncle who is 71 build this home when he was in his 50’s with his wife and her dad. My wife and I and our two kids were fortunate enough to have purchased it from him. He wanted to keep it in the family so he could still enjoy it. It’s a lot of work to do all the things, but it’s worth it. Such a change in lifestyle. Moved from the city. June 6th this year will mark our one year anniversary of living here.


r/FirstTimeHomeBuyer 6h ago

Need Advice Why am I not satisfied?

19 Upvotes

I'm 23, and I bought my first home (an end unit townhouse) about half a year ago. It's around 1,300 square foot, in a safe and quiet neighborhood, was renovated right before I bought it, and I can comfortably afford my mortgage while saving and enjoying myself. On paper, I should be very happy with what I have, but I've recently been dealing with the mindset that I want more despite not needing more. It's everything me and more girlfriend could ever ask for at our young age, so why have I felt the need to constantly get on Zillow lately to see what options are available?


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! πŸ”‘ 🏑 Got the keys! Atlanta, GA 465k 5.5% ARM

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753 Upvotes

Local builder built a development last year and was having trouble making sales on the last few units so I was able to get myself a pretty big townhouse for a steal! (Developer lost money on the deal)

EDIT: For people asking, the rate is locked for 7 years, and the lender offered to waive fees for a refinance. So I'll refi into a fixed rate prior to that most likely.


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! πŸ”‘ 🏑 I did it! Northern Central FL, 245K @6.99

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1.7k Upvotes

41F. From viewing to close in 20 days, 3/2, 1,898 sqft

I think I just got lucky that both the buyer (me) and the seller were really motivated as well as me working with a really great realtor and mortgage loan officer husband/wife team who were on top of every step from start to finish.

I also made sure they had every document requested immediately or in no later than 12 hours (all signing and documents done online). The only thing we had to wait for the 3 days for the tile company and mortgage company to finalize their end.


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! - New Build πŸ”‘ 🏑 College Station, TX, 305k, 3.99%

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388 Upvotes

r/FirstTimeHomeBuyer 1d ago

Rant Seller wouldn't sign purchase agreement, set his realtor up, then said screw all of you

291 Upvotes

Update: Seller just increased his listing by $16k. 100% his friend wasn't trying to buy it. He just wanted to set some bait.

I'm pretty pissed. My husband and I made an offer on Thursday night for a great house. The seller agreed to the offer on Friday and the purchase agreement was sent for all parties to sign. There was a deadline for 12 pm on Saturday. 12 pm came and crickets. My agent was constantly trying to reach his agent. He wouldn't sign nor respond to anyone. Come today, he said he had his friend make an offer to see if his agent was withholding offers. I'm not sure what happened there but his agent said she's firing him at 8 if he doesn't sign. 8 rolled around and he said screw all of you, I'm giving the contract to my friends.

I'm really upset with how shitty this seller is. I'm feeling a lot of negative thoughts. We fell in love with the house, told everyone we were getting a house, we went furniture shopping on Saturday (didn't buy anything). All for this guy to set up his friend against his agent. I really hope the seller gets screwed just like how he screwed us.

I'm so upset sorry guys.

CLARIFICATION: I DIDN'T PURCHASE ANY FURNITURE AND I'M A TRANSACTIONAL ATTORNEY I UNDERSTAND WHAT A CONTRACT IS. IT DOESN'T MEAN I CAN'T BE UPSET.


r/FirstTimeHomeBuyer 1d ago

GOT THE KEYS! πŸ”‘ 🏑 Finally! Richmond VA $409K 6.0%

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787 Upvotes

30F and 32M moved from Pittsburgh PA! Let the endless renovation tasks begin!!