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Your First Home Starts Here

Get matched with a top local realtor in minutes — completely free. No pressure, no hidden fees.

Works with buyers in all 50 states. Average match time: 3 minutes.

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50K+
Happy Homeowners
4.9★
Average Rating
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Service Cost
3 min
Avg. Match Time

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Get Matched in 3 Minutes

Answer 3 questions. Get paired with a verified local agent who specializes in first-time buyers.

🔒 Your info is secure. We never sell your data.

How It Works

Three simple steps between you and your dream home.

1

Answer 3 Questions

Tell us about your budget, timeline, and where you want to buy. Takes less than 2 minutes.

2

Get Matched with a Local Agent

We pair you with a top-rated, verified realtor in your area who specializes in first-time buyers.

3

Close the Deal

Your agent guides you through offers, negotiations, and closing — all the way to the keys in your hand.

How Much House Can I Afford?

Enter your details below to get an instant estimate.

Real Stories from First-Time Buyers

Over 50,000 people have bought their first home through HomeBuyers.io.

★★★★★

"As a first-time buyer, I had no idea where to start. HomeBuyers.io matched me with an agent who made the whole process feel manageable. Closed on my place 4 months after signing up."

MJ
Maria J.
Bought in Phoenix, AZ
★★★★★

"I was nervous about agent fees and hidden costs. The match was completely free and my agent was incredible — she saved me $8,000 on closing costs."

DT
David T.
Bought in Austin, TX
★★★★★

"Used the affordability calculator before anything else — it gave me a realistic budget. Got matched with a lender and realtor the same day. Truly a one-stop shop."

SL
Samantha L.
Bought in Denver, CO

First-Time Buyer Guide

Everything you need to know before buying your first home — from down payments to closing day.

🏦

FHA Loans

Backed by the Federal Housing Administration. Down payments as low as 3.5% with easier credit requirements. Ideal for first-time buyers who don't have a huge down payment saved.

Key stat: FHA loans accounted for 20%+ of all purchase loans in recent years.
💰

Down Payments

You don't need 20% down. Conventional loans allow as little as 3%, and many first-time buyer programs offer 0–3% options. The bigger the down payment, the lower your monthly payment.

Tip: Even 5% more down payment can save you hundreds per month.
📋

Closing Costs

Typically 2–5% of the home's purchase price. Includes lender fees, title insurance, appraisal, and more. Your agent can negotiate these — or ask the seller to cover them.

On a $300k home: Expect $6,000–$15,000 in closing costs.
🏷️

Pre-Approval vs Pre-Qualification

Pre-qualification is an estimate. Pre-approval is a verified conditional loan commitment. Always get pre-approved before making offers — sellers take you more seriously.

Best practice: Get pre-approved with 2–3 lenders to compare rates.
🤝

Working with a Buyer's Agent

A buyer's agent represents YOUR interests — not the seller's. They help you find homes, negotiate offers, and navigate inspections. Through HomeBuyers.io, this is completely free to you.

Commission note: The seller typically pays both agents' fees — you pay nothing extra.
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Home Inspections

Always get an inspection. It costs $300–$600 but can save you thousands. The inspector checks structure, roof, plumbing, electrical, and more. Use the report to negotiate repairs or price.

Recommended: Also consider radon, termite, and sewer scope inspections.

Ready to Find Your First Home?

Join 50,000+ first-time buyers who got matched with the perfect agent — completely free.

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Frequently Asked Questions

Yes! HomeBuyers.io is completely free for buyers. Realtors pay us a referral fee — you don't pay a dime. Your agent's commission is paid by the seller as part of the normal transaction.
We consider your location, budget, timeline, and preferences. Every agent in our network is licensed, verified, and has a track record of working well with first-time buyers. You get 1 matched agent — not a spray of leads to 10 different agents.
The form takes 2 minutes. You'll be matched within 15–30 minutes during business hours. From matched agent to closing day, the timeline varies — most first-time buyers close within 60–120 days of finding the right home.
We can match you with an agent for both buying and selling. Just select "Sell my current home" in the form and we'll connect you with a dual-agent or coordinate between two specialists.
Yes! We operate in all 50 U.S. states. Whether you're in a big city, suburb, or rural area, we have agents ready to help first-time buyers.
Pre-qualification is an estimate based on what you tell the lender — not verified. Pre-approval is a conditional commitment based on verified documents (pay stubs, bank statements, credit). Always get pre-approved before making offers; sellers won't take you seriously with just a pre-qual letter.