Top 5 Questions First-Time Home Buyers Are Asking in 2026

Buying your first home can feel overwhelming, but having the right guidance makes all the difference. Here are the top questions first-time buyers are asking right now.

1. How much home can I afford?

A trusted lender can help determine your buying power before you start shopping.

2. What credit score do I need?

Many loan programs offer flexible options for qualified buyers. Would you be surprised to know 620 still qualifies for a loan?

3. How much money do I need upfront?

Down payment assistance and loan programs may help reduce upfront costs. Setting aside $2,000 is a good place to start.

4. Is now a good time to buy?

If you are ready, yes.  Understanding the current Cowlitz County market helps buyers make informed decisions.

5. What should I avoid during escrow?

Avoid large purchases, changing jobs, or opening new credit accounts and buying anything on credit until closing.

Barbara Stephenson helps first-time buyers navigate the process with confidence and clarity.