FIRST-TIME BUYER GUIDE · ENGLISH / ESPAÑOL
Your first Henderson home, explained in English or Spanish.
Buying your first home comes with a new language, a lot of numbers, and decisions that can feel connected all at once. Mayra Sanchez makes the path clear—without pressure, in English or Spanish.
VERIFIED PROFESSIONAL IDENTITY
Know who is guiding the move.
Mayra Sanchez is a bilingual Nevada Real Estate Salesperson (S.0199927), REALTOR®, with Keller Williams Realty The Marketplace. Puede atenderle completamente en español.
01 · START WITH THE PAYMENT
Build a monthly budget before a shopping budget.
A purchase price is only one part of the cost of owning a home.
Talk with a qualified lender about principal and interest, property taxes, homeowner insurance, mortgage insurance when applicable, association dues, utilities, maintenance, and the cash needed at closing. Choose a payment that leaves room for the rest of your life.
Ask more than one lender for comparable written estimates. Rates, fees, and program options can differ, and the lowest advertised rate is not always the lowest total cost.
02 · KNOW THE PATH
Preparation makes the search feel lighter.
You do not need to know everything at the beginning. You do need a clear order for the decisions.
- Review credit, savings, income documents, and financing options with a lender before touring seriously.
- Ask whether current Nevada assistance programs may fit you; eligibility, funding, rates, and terms change and must be verified.
- Create a brief that separates needs, preferences, and flexible tradeoffs.
- Understand the offer, inspection, appraisal, financing, title, and closing milestones before they become urgent.
03 · EMPIECE CON EL PAGO
Primero defina un pago mensual cómodo.
El precio de compra es solo una parte del costo total de tener una vivienda.
Hable con un prestamista calificado sobre capital e intereses, impuestos, seguro de propietario, seguro hipotecario cuando aplique, cuotas de asociación, servicios, mantenimiento y el dinero necesario para el cierre.
Compare propuestas escritas de más de un prestamista. Las tasas, los cargos y los programas pueden variar. Mayra puede ayudarle a preparar las preguntas correctas, pero las condiciones del préstamo deben confirmarse directamente con su prestamista.
04 · COMPRE CON CLARIDAD
Cada paso se puede explicar antes de firmar.
La meta no es apresurarse. Es entender el proceso suficientemente bien para tomar una decisión segura.
- Defina necesidades, preferencias y opciones flexibles antes de visitar propiedades.
- Revise ventas comparables, documentos, inspecciones y costos probables de la propiedad.
- Prepare la oferta según la vivienda, su presupuesto y el nivel de riesgo que le resulte cómodo.
- Mantenga un calendario claro para inspección, avalúo, préstamo, título y cierre.
USEFUL ANSWERS
First-home questions / Preguntas sobre su primera casa.
01Do I need 20% down?+
Not always. Down-payment requirements depend on the loan, property, finances, and current program rules. A qualified lender can compare options and explain the total cost.
02Can Mayra guide the entire process in Spanish?+
Sí. Mayra habla español y puede explicarle la búsqueda, la oferta, las inspecciones y los próximos pasos en español.
03Should I speak with an agent or a lender first?+
Both conversations are useful early. A lender clarifies financing and payment options; Mayra turns your goals and those numbers into a practical search plan.
04What should I do if I am not ready yet?+
Begin with a planning conversation. You can identify the next useful step—saving, credit preparation, lender comparison, or learning areas—without committing to a purchase.
CHECK THE SOURCES
Useful evidence, one click away.
A PRIVATE FIRST CONVERSATION
Ready for a first conversation?
Tell Mayra where you are today. She will help explain the next step in English or Spanish—clearly, privately, and without pressure.