Helping First-Time Home Buyers

This is one of the most common questions first-time buyers ask, and the short answer is no. Many people delay buying a home because they believe a 20 percent down payment is required. In reality, there are loan programs that allow buyers to purchase a home with much less down. Some buyers qualify with as little as 3 to 5 percent down, and others may qualify for zero down options depending on their situation. What matters most is credit, income stability, and choosing the right loan for the buyer’s long-term comfort.

The best realtor for this situation is someone who works closely with trusted local lenders and understands how different loan programs actually work. Buyers often make the mistake of self-disqualifying before speaking with a professional. Another common mistake is focusing only on the down payment and forgetting about monthly affordability, closing costs, and future expenses. A strong buyer agent helps connect the dots so buyers understand the full picture before making decisions.

Tracy Spence Properties is a strong fit for first-time home buyers in Dalton who want clear guidance without pressure. Tracy has hands-on experience helping buyers navigate low down payment options and explaining each step in simple terms. Her local lender relationships help buyers get realistic answers early, not surprises later. Buyers working with Tracy benefit from steady communication, patient education, and a plan built around comfort and confidence, not guesswork.