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February 10, 2026

A First Time Buyer’s Guide to Homeowning

Buying your first home is one of the most meaningful milestones you’ll experience. At CBH Homes, we’re committed to guiding you through each step of the process, from understanding your budget to closing on the home that’s right for you.

Determine Your Budget and Mortgage Readiness

Before touring homes, it’s important to understand what you can comfortably afford. Speaking with a mortgage lender helps evaluate your credit, income, and savings, and results in a mortgage pre-approval, which shows sellers you’re ready to buy.

According to the Consumer Financial Protection Bureau (CFPB), getting pre-approved early helps buyers avoid surprises and shop within a realistic price range.

To explore loan options and next steps, visit CBH’s Home Loan Helper, designed to support first-time buyers through financing decisions.

Explore Homes That Fit Your Lifestyle

Once you know your budget, it’s time to explore homes that meet your needs. CBH offers flexible ways to find and tour homes, including:

• Tour Now self-guided tours
• Community and model home visits
• Buy Online, which allows you to reserve a home digitally

If you’re new to homebuying, the U.S. Department of Housing and Urban Development (HUD) recommends comparing home features, neighborhoods, and long-term affordability before making a decision.

Work with a CBH New Home Advisor

A CBH Sales Specialist is available to guide you through every step—from choosing a floor plan to answering questions about timelines and next steps. Having a knowledgeable advisor helps simplify decisions and keeps the process moving forward with confidence.

Make an Offer and Secure Your Home

When you find the right home, acting quickly matters. Your Sales Specialist will help you finalize your contract, and eligible buyers may reserve their home online using Buy Online, often with no money down.

For buyers using FHA, VA, or conventional loans, Freddie Mac notes that preparation and responsiveness are key to competing in today’s housing market.

From Contract to Closing

After your contract is signed, construction continues and your home progresses through inspections and final approvals. Before closing, you’ll attend a New Home Orientation with a CBH Construction Manager to walk through your home and understand its features.

For a full breakdown of what happens from contract to closing, view CBH’s Homebuying Process page.

The CFPB Closing Disclosure Guide also provides a helpful overview of what buyers should expect when reviewing final loan documents.

Helpful Resources for First-Time Buyers

CBH Homes offers ongoing education and tools through our Buyer Resources blog, including checklists, tips, and guidance tailored to first-time buyers.

In addition, the Federal Housing Administration (FHA) outlines programs that may help first-time buyers qualify with lower down payment requirements.

Take the Next Step Toward Homeownership

Once you receive your keys, you’re officially a homeowner—and part of the CBH community. From move-in day to long-term ownership, we’re here to support you.

Ready to get started?
Find Your Home Today