What You Need to Know Before Buying Your First Home in Huntsville

by Jasmine Hanonu

🧠 What You Need to Know Before Buying Your First Home in Huntsville

Buying your first home isn’t just exciting — it’s a big move that deserves a smart plan. Before you start browsing homes or talking interest rates, here’s what you really need to know to avoid surprises and step into homeownership with confidence:

🏦 1. Pre-Approval Isn’t Optional — It’s Your Power Move

Before we even talk showings, get pre-approved. This tells you how much you can comfortably afford and shows sellers you’re a serious buyer.
It’s not the same as “pre-qualification” — that’s just a quick estimate. A pre-approval involves documentation, a credit pull, and real numbers.
Pro tip: I can connect you with lenders who actually explain things and help first-time buyers succeed.

🤝 2. Who Represents You Matters

Don’t just “click the agent on Zillow.” You deserve someone in your corner — not just someone opening doors.
As your buyer’s agent, I advocate for your best interests, walk you through the paperwork, and negotiate on your behalf .

💸 3. It’s Not Just the Down Payment

A lot of buyers think they need 20% down. You don’t.
There are options with 3.5% down (FHA), even 0% down (USDA, VA, depending on your situation).
But beyond the down payment, be ready for:

Earnest money (a deposit to show you’re serious)
Inspection and appraisal costs
Closing costs (sometimes 2–5%, but I help you plan for that or negotiate)

💬 Real Talk:

You don’t need to know everything. You just need a plan, a lender you trust, and a Realtor who will guide you. That’s where I come in.

About Jasmine Hanonu

Jasmine Hanonu is a North Alabama Realtor® who helps first-time buyers move with confidence, clarity, and community. Based in Huntsville, she specializes in new construction homes, smart buying strategies, and guiding clients through every step of the journey — from pre-approval to keys in hand. With a background in project management and a passion for people, Jasmine brings both heart and hustle to every transaction.

✨ Helping you build legacy, one home at a time.

Reach out anytime to start your home buying journey.

jazhanonurealty@gmail.com

Call/Text 256-813-8439