First-Time Home Buyers in Appleton and the Fox Valley.

Start by talking with a lender about your budget and pre-approval. I'll help you set search priorities, tour homes and review an offer. After acceptance, we work through the inspection, appraisal, loan approval and closing steps set out in your contract.

Get pre-approved before serious house hunting. It helps you understand your borrowing range and gives sellers evidence of financing. Pre-approval isn't final loan approval. Ask your lender before changing jobs, opening credit or making a large purchase during the process.

Earnest money is a deposit that shows your intention to complete the purchase. The offer sets the amount, deadline, holder and terms for release or return. It's usually credited toward what you owe at closing. I'll review those terms with you before you sign.

An independent inspection helps you understand the home's condition beyond what you see at a showing. It isn't the same as an appraisal. Your offer sets the inspection deadlines and your options when concerns come up. I'll help you review the report and the contract together.

Ask your lender about WHEDA, Wisconsin's housing finance program, and current local or lender assistance options. Have the lender explain requirements, repayment terms and the full monthly cost for your situation. I won't assume you qualify for a program before a lender reviews it.