August 29, 2025

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Landy Liu

What Is a First Home Savings Account (FHSA)?

A First Home Savings Account (FHSA) is a type of account designed to help first-time buyers save money for a home with unique tax and financial advantages. In the US, FHSA programs are not federal, but several states offer versions of these accounts — allowing buyers to set aside funds for down payments and closing costs with tax benefits at the state level.

August 22, 2025

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Landy Liu

How First-Time Homebuyer Grants and Programs Work

Buying your first home can feel out of reach, but it doesn’t have to be. Across the United States, a growing number of assistance programs are making it easier for first-time homebuyers to close the gap on down payments and other upfront costs. From federal grants to local support through participating lenders, these options can save thousands and bring the dream of homeownership closer than you might think.Buying your first home can feel out of reach, but it doesn’t have to be. Across the United States, a growing number of assistance programs are making it easier for first-time homebuyers to close the gap on down payments and other upfront costs. From federal grants to local support through participating lenders, these options can save thousands and bring the dream of homeownership closer than you might think.

August 20, 2025

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Landy Liu

What Happens After Your Offer is Accepted? Step-by-Step Guide

You’ve found the right home, made your offer, and the seller has accepted—now what? This part of the home buying process often catches first-time buyers off guard. It’s easy to assume the hardest part is over, but there are still several key steps between offer acceptance and closing day.Whether you’re wondering what happens after you make an offer on a house or trying to understand the timeline after an offer is accepted, this guide breaks down every major step you’ll face on the way to your new front door.

August 15, 2025

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Landy Liu

How to Choose the Right Real Estate Agent for Your First Home

Buying your first home is a big deal, and the right real estate agent can make all the difference. We’ll show you how to find a real estate agent you can trust, what to look for in a buyer’s agent, and how to take advantage of Foyer Pros, local experts who offer exclusive perks for Foyer members.

August 14, 2025

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Landy Liu

The Real Cost of Buying Your First Home (Beyond the Price Tag)

When you're saving for your first home, it's easy to focus on just one number: the purchase price. But the truth? That’s just the beginning. In this guide, we’ll unpack the real costs of buying a house, from inspections to insurance, so you can feel prepared, not surprised.

August 8, 2025

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Landy Liu

How Credit Score Impacts Your Home Buying Process

Your credit score might be just a number, but it plays a major role in whether you get approved for a mortgage, what your interest rate looks like, and how much house you can afford.In this guide, we’ll unpack what credit scores really mean for first-time buyers, how to read yours, and how to boost it, no shame, just strategy.

August 6, 2025

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Landy Liu

How Much Should You Really Save for a Down Payment?

Buying your first home is exciting, but figuring out how much to save for a down payment can feel like one big question mark. This guide walks you through the real numbers, what they mean for your mortgage, and how to decide what’s right for you.

March 28, 2025

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McKenzie Hagan

Mortgage Pre-Qualification vs. Pre-Approval: What Are They and When Should You Get One?

When embarking on your home-buying journey, you'll likely encounter two critical terms that can significantly impact your mortgage application: pre-qualification and pre-approval. While these terms might sound similar, they represent distinct steps in the mortgage process, each with unique implications for homebuyers.

March 25, 2025

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McKenzie Hagan

How Much Home Can You Afford on a $150,000 Salary?

Purchasing a home is a significant financial milestone, and understanding your purchasing power is crucial to making an informed decision. If you earn $150,000 annually and are considering a down payment of 5%, you'll need to carefully evaluate your Debt-to-Income (DTI) ratio to determine the price range of a home you can comfortably afford. This guide will break down how to calculate your home affordability, taking into account a 35% DTI ratio and a 5% down payment.

March 18, 2025

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McKenzie Hagan

Am I Ready to Buy My First Home? A Complete Guide

The journey to homeownership is one of the most significant financial and lifestyle decisions you'll ever make. While owning a home represents stability, investment potential, and a place to call your own, it also comes with considerable responsibilities, costs, and commitments. This comprehensive guide will help you assess whether you're truly ready to take the plunge into homeownership or if you might benefit from waiting.