5 Key Questions to Ask Before Buying a Home

If you’re considering buying a home but aren’t sure if now is the right time, you’re not alone. I always tell my clients—especially first-time buyers—that preparation is key. Before jumping in, ask yourself these five essential questions to help guide your decision and feel confident every step of the way.

1. What’s My Why?

Understanding why you want to buy helps keep you grounded. Is it about building equity, having more space, or just not wanting to rent anymore? When you’re clear on your “why,” the rest of the process becomes more intentional.

2. Is My Financial House in Order?

From your credit score to your savings for a down payment and closing costs—this question is critical. Need a quick guide on this? Check out this resource on mortgage readiness.

3. Do I Know What I Can Afford?

Just because you’re approved for a certain amount doesn’t mean it’s your ideal price point. Think long-term and leave room in your budget for home maintenance, insurance, and lifestyle needs.

4. Am I Ready for the Responsibility?

Homeownership means being your own landlord. Are you ready to handle repairs or upgrades on your own schedule and dime? If not, maybe renting for another year is smarter—and that’s okay.

5. Do I Have the Right Team?

From real estate agents to lenders and inspectors, your team matters. As a local Fairfax expert, I’d love to help you navigate every step. See my active listings or just reach out and let’s chat.

Ready to Buy?
If these questions helped clarify your next steps, let’s connect. I’m Samantha Bard, your go-to real estate advisor in Northern Virginia. Whether you’re looking now or planning ahead, I’m here to make homeownership approachable, smart, and stress-free.