First-Time Buyer’s Roadmap

First-Time Buyer’s Roadmap: Your Step-by-Step Guide to Owning a Home in Lexington, SC

Thinking about buying your first home in Lexington, SC? This 7-step roadmap walks you through the entire home buying journey with local tips, tools, and expert advice.

Welcome to Homeownership in Lexington

Buying your first home is exciting, but it can also feel overwhelming. If you’re ready to stop renting and start investing in your future, this guide will walk you through every step of the process right here in Lexington, SC.

Step 1: Check Your Credit & Budget

Your credit score plays a big role in qualifying for a loan and securing a good interest rate. Get a credit check. Then, use a mortgage calculator to estimate your buying power. 

Step 2: Get Pre-Approved by a Local Lender

Don’t shop without a budget! Meet with a Lexington based mortgage lender to get pre-approved. This makes you a serious buyer in the eyes of sellers and helps you shop confidently within your price range.

💡 Local Tip: Ask about South Carolina’s First-Time Homebuyer programs and USDA Rural Development loans. Many Lexington homes qualify!

Step 3: Partner With a Trusted Realtor

Your agent is your advocate. A local Realtor (👋 that’s us, The Marley Group with Century 21 803 Realty!) will guide you through negotiations, inspections, contracts and more.

Step 4: Create Your Must-Have List

Think location, layout, number of bedrooms, school zones and commute times. Then attend open houses or schedule private showings to get a feel for what’s out there.

Step 5: Make a Strong Offer

Once you find “the one,” your agent will help you make a competitive offer based on market conditions and comparable sales in Lexington. Negotiations are common. Be prepared for a little back and forth.

Step 6: Home Inspection & Due Diligence

A licensed inspector will evaluate the home’s condition. If issues arise, you can renegotiate or walk away. This is your chance to be thorough!

Step 7: Close & Celebrate

Once your loan is finalized and closing documents are signed, you’ll get your keys! 🎉 Time to move in and make memories.

Ready to Start?

We’d love to be your guide. Schedule a free first-time buyer consultation with us.