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First-Time Homebuyer Guide


Before shopping for your first home, you should: 

  • Be sure that buying a home is the right choice for you.
  • Know how much you can afford. This includes the down payment and all extra costs associated with owning a home.
  • Be pre-approved for your mortgage.
  • Be working with a real estate agent you trust.

Home Shopping

Communication is important when it comes to shopping for your first home. Be sure to tell your REALTOR® what your looking for in a house. 

Important factors to consider:
  • Single-Family Home
  • Condo
  • Safety
  • Traffic
  • Schools
  • Privacy
Click here for a list of what you should consider when buying a house. 

You found the perfect home. Now what?

Make sure the asking price of the house is fair/at market value. Not sure how to tell? Ask the following questions: 

  • "Has the house been on the market for a long time?"
  • "Has the listing price dropped?"
  • "Are prices of similar homes lower?"

If you answer yes, the asking price may be too high. At this time, revisit what you want in a home to make sure it's the best fit, and/or adjust your offer price. Consult your REALTOR® for advice. 

Resource Center »

Talk to us

To apply for a mortgage or get answers to questions, call our Mortgage Specialists at 317.558.6160 or 866.367.8600 or email us at

FORUM NMLS #469848
NMLS Registry Information for FORUM Credit Union Mortgage Loan Originators