First Time Buyers Guide

First Time Buyers


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As a First time home buyer in Charlotte NC, the road to homeownership can be very exciting and rewarding, but it can also be stressful and confusing with the myriad of questions that you need answers to:


  • Where do I begin?
  • Who do I contact?
  • What can I afford and what costs can I expect?
  • What is down payment assistance and how can I receive it?
  • What is Homebuyer Education and how can I benefit from it?
  • What about community school assignments?
  • What areas have the lowest taxes?
  • What are the future plans for the area I’m considering moving to?


These are just a few of the questions that you may have when looking for your first home. The process can seem overwhelming, but it doesn’t have to be. Pruitt Miller Realty Group  will walk you through the entire process.  We will prequalify you for financing, provide information on down payment assistance and matching savings programs, negotiate purchase expenses to minimize your out-of-pocket costs.  We will provide insight on home valuations and future plans for different areas, as well as negotiate the best deals to save you money. We are expert professionals, and our work has earned us the prestigious Charlotte Magazine “Best in Client Satisfaction” award.

The assistance we provide goes far beyond just finding you a home.  We have expertise in various Charlotte Homeownership Programs, first-time buyer financing, down payment assistance programs, Charlotte FHA down payment assistance, and other Charlotte NC first time homebuyer resources.  Additionally, we are a HUD-approved Realtor and can provide HUD assistance for all Charlotte HUD homes!

We are a designated Accredited Buyer Representative (ABR) and a Senior Real Estate Specialist (SRES) in Charlotte NC, and can help you navigate the homebuying process.  We have the expertise to help whether you’re a First-time buyer, or an Active Adult Empty Nester exploring Retirement Living options in your Golden Years.  As a prospective homebuyer, you need your own exclusive representation to negotiate the terms and conditions of your home purchase.  Best of all, our service is FREE to buyers!  Let us help you find the way.

If you are interested in learning more about government housing grants in Charlotte NC and first home buyer programs in Charlotte NC along with the superior homebuyer assistance we provide for first time home buyers, please complete the questionnaire below.  A representative of Pruitt Miller Realty Group will contact you for a confidential telephone consultation.

Getting Started

Before you start looking for a home, you need to begin the process of getting qualified and approved for home financing.  Lender requirements are tougher today, so it is important to make contact with a lender as early as possible.  The Pruitt Group has lending partners that offer a variety of mortgage products and programs, and we can help you get started by applying online.  Also feel free to use our mortgage and finance calculators to help you evaluate home price affordability.

You may be able to take advantage of special loan programs for first time Buyers.  We can evaluate you for eligibility and refer you to one of our professional and qualified Lenders to help you find the perfect loan program for your needs.

Working with New Home Builders

Exclusive representation is even more important when dealing with new homebuilders.  Would you ever consider representing yourself in court without proper legal counsel while the other side has theirs?  Of course not!  However, consumers enter into legal and binding contracts worth hundreds of thousands of dollars with new homebuilders every day!  They mistakenly believe that the on-site rep is working on their behalf, when these reps are employees of the homebuilder and are paid to represent that builder’s best interest!  Homebuilder contracts are loaded with terms and provisions that are heavily weighted in favor of the builder and the majority of them can be negotiated in a buyer’s favor by a knowledgeable real estate professional with the necessary expertise in real estate contract law.

As a homebuyer, you need experienced, professional and expert representation of your own.  Pruitt Miller Realty Group can give you the peace of mind and competent representation that you deserve.  And remember…it’s a FREE service to buyers!

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