Buying a home for the first time is exciting and a commitment to the future. It’s often challenging, too, and the process requires a lot of steps, many of which can be tricky to navigate as a first-time home buyer.
What are some things you should keep in mind as a first-time home buyer?
First-Time Home Buyer Tips
Here are 10 tips to keep in mind as you begin your journey toward homeownership.
1. Have Your Finances in Order
It’s wise to begin saving as early as possible once you’ve made the decision to purchase a house. You’ll need to consider the down payment, closing costs (which often range from 2% to 5% of the down payment), as well as move-in expenses.
You also need to understand the other costs of homeownership, such as mortgage insurance. property taxes, utilities, homeowner’s insurance, and more.
2. How Much Can You Afford?
Knowing how much you can realistically afford in a home is another important financial consideration. Look for the home of your dreams that fits your budget.
One way to avoid future financial stress is to set a price range for your home that fits your budget, and then staying within that range. Going through the preapproval process will help you understand what price range is realistic for your budget.
3. Make Sure Your Credit is Good
Another thing to keep in mind as a first-time home buyer is your credit score because it determines whether you qualify for a mortgage and affects the interest rate that lenders offer.
You can check your credit score from the three credit bureaus – Experian, Equifax, and TransUnion.
This is another good reason for getting preapproved before you start your search. Learn more about the preapproval process and your credit score.
4. Choose The Right Real Estate Agent
A good real estate agent guides you through the process every step of the way. He or she will help you find a home that fits your needs, help you through the financial processes, and help ease any first-time buyer anxiety you may have.
Interview several agents and request references.
5. Research Mortgage Options
A variety of mortgages are available, including conventional mortgages – which are guaranteed by the government – FHA loans, USDA loans, and VA loans (for veterans).
You’ll also have options regarding the mortgage term. A 30-year fixed-rate mortgage is popular among many homebuyers and has an interest rate that doesn’t change over the course of the loan. A 15-year loan usually has a lower interest rate but monthly payments are larger.
6. Talk to Multiple Lenders
It’s worth your time to talk to several lenders and banks before you accept a mortgage offer. The more you shop around, the better deal you’re liable to get – and it may save you thousands of dollars.
7. Get Preapproved First
Getting a mortgage preapproval (in the form of a letter) before you begin hunting for homes is something else to put on your checklist. A lender’s preapproval letter states exactly how much loan money you can get.
Learn more about the preapproval process and how preapproval provides you with a significant competitive advantage in our article How Preapproval Gives You Home Buying Power.
8. Pick the Right House and Neighborhood
Make sure to weigh the pros and cons of the different types of homes based on your budget, lifestyle, etc. Would a condominium or townhome fit your needs better than a house? What type of neighborhood appeals to you?
9. List Your Needs and Must-Haves
The home you purchase should have as many of the features you prefer as possible. List your needs in order of priority; some things may be non-negotiable to you personally.
10. Hire an Inspector
Hiring an inspector is another crucial step in the home buying process. An inspector will tell you about existing or potential problems with the home, and also what’s in good order. You can learn more about home inspections and how to find a home inspector through the American Society of Home Inspectors website.
Buying a home for the first time is a challenge, but it’s one you can handle with the right planning and preparation.
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hank2018-12-27 16:15:052019-07-17 09:27:54Get More SEO Juice with iHomefinder IDX and WordPress
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hank2018-07-19 11:08:502019-07-17 10:00:485 Ways to Become a More Efficient Real Estate Agent
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hank2018-06-22 05:05:332019-07-24 15:16:04Lead Generation Ideas for Real Estate Agents and Brokers
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hank2018-06-15 07:48:452019-07-17 09:44:503 Winning Strategies for Real Estate Agents on Facebook for 2018!
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hank2018-06-11 14:56:192019-07-24 15:18:37What is CRM and Why Should You Use ONE as a Real Estate Agent
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hank2018-05-18 07:37:432019-07-17 09:44:537 Ways a CRM Can Increase Your Sales
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hank2018-01-16 15:17:412019-07-17 09:44:56How iHomefinder’s ONE CRM Can Take Your Agent Team to the Next Level
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hank2017-08-04 05:48:592019-07-17 09:44:56Add IDX Search and Lead Capture to Your Website
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hank2017-07-24 16:06:112019-07-17 09:44:5714 Real Estate Promotion Ideas You Might Not Be Using
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hank2017-07-20 13:36:472019-07-17 09:58:39Virtual Reality for Real Estate – What Can It Do for You?
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hank2017-03-24 08:51:192019-07-17 10:07:55Real Estate Video Marketing – What You Need to Be Doing Right Now
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hank2017-01-03 10:48:292019-07-17 10:09:34Featured Client – James Kastner, District Residential and Slate Properties
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temp
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temp2016-12-02 07:22:592019-07-17 10:28:39How to make your listings stand out with Facebook 360
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hank2016-11-23 10:00:442019-07-17 10:28:50The New, Tech-Savvy Real Estate Agent
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hank2016-10-31 13:09:592019-07-17 10:28:54Introducing Brian Barry of All East Bay Properties
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hank2016-10-26 12:36:042019-07-17 09:28:06Tips To Convert More Leads
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hank2016-10-12 17:47:522019-07-17 09:28:06Nurture Your Leads with MarketBoost
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hank2016-09-15 07:29:422019-07-17 10:29:00How to Make Your Lead Generation More Effective
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hank2016-08-01 14:03:152019-07-17 10:29:0412 Real Estate Blogs Worth a Closer Look
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hank2016-06-16 09:18:372019-07-17 10:29:09Broker Enterprise License Announcement
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hank2016-06-01 15:28:372019-07-17 09:28:08“Sell My Home” Widget
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hank2016-05-16 17:04:032019-07-17 09:45:02Text Notifications
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hank2016-05-12 11:27:082019-07-17 10:29:14Best Real Estate Plugin for WordPress
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hank2016-05-04 11:06:412019-07-17 10:29:19Blueprint for Creating Real Estate Content
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hank2016-04-11 10:59:152019-07-17 10:10:38Retention Strategies for Real Estate Brokers in 2016
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hank2016-02-09 12:29:332019-09-16 13:37:30Introducing MarketBoost
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hank2016-01-05 06:44:302019-07-17 09:45:03Featured Client- Morris Raney Real Estate
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hank2015-11-23 14:52:052019-07-17 10:29:31SEO Tactics You Can Put To Use Immediately
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hank2015-11-13 10:09:582019-07-17 10:29:44Featured Client- Marin County Real Estate
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hank2015-11-10 15:00:002019-07-17 09:58:43Twitter For Real Estate Agents
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hank2015-10-29 15:12:362019-07-17 09:58:44Six ways to brand yourself as a Real Estate Agent
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hank2015-10-09 14:59:252019-07-17 09:28:12Learning Center Series: Lead Generation
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hank2015-09-30 17:00:132019-07-17 09:52:47Learning Center Series – Introducing iHomefinder Lead Generator
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hank2015-09-28 09:38:082019-07-17 09:51:04Why Real Estate Success Depends on Your Mobile-Friendly Website
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hank2015-08-31 09:50:062019-07-17 09:58:456 Items Every Real Estate Website Should Have
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hank2015-08-25 16:11:342019-07-17 09:28:13Announcing IDX Event Tracking
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hank2015-08-25 14:49:432019-07-17 09:28:14Announcing Consumer Polygon Search
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hank2015-08-03 16:30:182019-07-17 10:11:10New! Email Alert Popups
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hank2015-07-29 13:11:432019-07-17 09:58:45The IDX Opportunity | Real Estate IDX Websites
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hank2015-07-20 07:19:532019-07-17 10:29:57Top Socially Shared Real Estate Blogs – June 2015
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hank2015-07-17 10:12:122019-07-17 09:58:46How to Generate Real Estate Leads
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hank2015-06-30 17:55:112019-07-17 09:28:14Categorized Featured and Supplemental Listings
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hank2015-06-30 16:55:072019-07-17 09:28:15New Meta Tag Features
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hank
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hank2015-06-30 15:31:132019-07-17 09:28:16Advanced Polygon Saved Search Pages
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hank
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hank2015-06-23 10:10:402019-07-17 09:45:04The Benefits of IDX for Today’s Home Buying Market
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hank
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hank2015-06-17 12:54:492019-07-17 10:30:02The Top 10 Socially Shared Real Estate Blog Posts (for May 2015)
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hank
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hank2015-05-20 10:17:572019-07-17 09:52:48Creating a Social Media Strategy That Drives Leads
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hank
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hank2015-04-23 15:24:072019-07-17 09:58:47Get More Leads From SEO
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flynn
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flynn2015-04-16 17:38:242019-07-17 09:28:17Get On The Grid
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0
hank
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hank2015-03-30 12:00:162019-07-17 09:28:17Property Search City Selector
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0
hank
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hank2015-03-27 14:51:592019-07-17 09:28:18Property Type Search Options
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0
0
flynn
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flynn2015-02-24 14:44:432020-12-14 16:53:04Feature Updates – February 2015
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hank
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hank2015-01-30 13:02:322019-07-17 09:57:53Styling the Gallery Slider
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0
hank
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hank2015-01-30 09:38:502019-07-17 10:11:45Location Customization
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0
0
hank
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hank2014-12-22 10:45:452019-07-17 10:12:52Announcing OmniPress Prime
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0
hank
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hank2014-12-19 14:31:412019-07-17 10:14:58An Introduction to PPC
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0
0
hank
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hank2014-11-24 11:10:182019-07-17 10:12:44Announcing Optima IDX With Responsive Design
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0
0
hank
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hank2014-11-14 11:11:322019-07-17 10:13:01Product Tips and Tricks
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0
hank
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hank2014-10-28 15:27:032019-07-17 10:13:19Responsive IDX for Custom Sites
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0
0
hank
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hank2014-10-23 12:41:562019-07-17 10:13:14Website Design Best Practices
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0
0
hank
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hank2014-10-01 16:23:452019-07-17 10:13:28NEW – Fresh Theme for OmniPress Websites
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0
0
hank
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hank2014-09-30 10:42:462019-07-17 10:14:59Using Your IDX To Close Business
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0
0
hank
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hank2014-09-12 11:17:182019-07-17 10:13:49Introducing iHomefinder’s Learning Center Series
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0
0
hank
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hank2014-08-26 13:35:322019-07-17 10:34:15Announcing Polygon Saved Search Pages
0
0
hank
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hank2014-08-24 18:56:262019-07-17 10:19:31A nice entry
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401
712
hank
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hank2014-06-25 14:12:402019-07-17 09:58:06Indexable IDX for SEO Part 3 – Add More Listings
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401
712
hank
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hank2014-06-20 14:20:182019-07-17 09:58:13Indexable IDX for SEO Part 2 – Site Content
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401
712
hank
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hank2014-06-18 12:24:022019-07-17 09:58:22Indexable IDX for SEO Part 1 – The Basics
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0
flynn
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flynn2014-06-18 09:53:142019-07-17 09:50:15Responsive OmniPress – Real Estate IDX Websites
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0
flynn
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flynn2014-04-17 11:17:522019-07-17 10:30:30Responsive IDX for WordPress – Search Widgets & Shortcodes
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0
0
hank
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hank2014-03-13 12:43:502019-07-17 09:45:05Now in Beta – Responsive IDX for WordPress
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0
0
hank
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hank2014-01-06 14:24:022019-07-17 10:20:17Announcing CloudIDX™ – Direct Access to MLS® System Data
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0
0
hank
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hank2013-11-22 09:36:452019-07-17 09:28:20More Sold Listings
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0
0
hank
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hank2013-10-31 17:05:282019-07-17 10:20:39Free iHomefinder Mobile IDX
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0
0
hank
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hank2013-10-07 10:47:302019-07-17 09:28:21New! Down Payment Assistance
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0
0
hank
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hank2013-10-03 12:54:562019-07-17 09:28:22New! Site Activity Reports
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0
0
hank
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hank2013-09-18 13:13:342019-07-17 09:28:23New! Mobile Control Panel
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0
0
hank
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hank2013-09-05 15:26:272019-07-17 09:28:24New Account Control Panel
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0
0
hank
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hank2013-07-15 18:17:342019-07-17 09:45:06Display IDX Listings Under Your Own Domain Name
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0
0
hank
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hank2013-07-12 12:37:282019-07-17 09:51:25Broker Plans Now Available in iHomefinder Optima OmniPress Websites
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0
0
flynn
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flynn2013-05-14 10:07:122019-07-17 10:30:39Map Search Widget Location & Zoom Level
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0
0
flynn
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flynn2013-04-10 11:44:142019-07-17 09:45:07Introducing Optima OmniPress: Complete WordPress IDX Websites
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0
0
flynn
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flynn2013-03-20 12:52:262019-07-17 09:50:16Optima OmniPress: WordPress Websites with IDX
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0
0
flynn
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flynn2013-03-04 09:54:112019-07-17 09:50:17Optima Express SEO Tools
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0
0
flynn
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flynn2013-02-28 13:57:292019-07-17 09:50:18Optima Express Features – Email Branding & Navigation Menu
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0
0
flynn
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flynn2013-02-28 11:32:482019-07-17 09:50:19Agent Bio & Social Media Widgets for Optima Express
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0
0
flynn
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flynn2013-02-28 11:17:232019-07-17 09:50:19New Widgets & Features in Optima Express
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0
0
flynn
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flynn2013-01-18 11:21:252019-07-17 09:45:11Introducing Optima Mobile – Mobile Websites with IDX
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0
0
hank
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hank2012-11-20 17:17:072019-07-17 09:32:46Customizable User Registration
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0
0
flynn
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flynn2012-09-27 18:33:422019-07-17 09:45:12Optima Social Price drop! Facebook IDX for $9.95/month
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0
0
flynn
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flynn2012-08-27 08:08:462019-07-17 09:32:08iHomefinder Optima Express Brokerage: WordPress IDX for Brokers
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0
0
flynn
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flynn2012-08-23 14:41:502019-07-17 09:45:13New Today: The Property Gallery Slider
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0
0
flynn
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flynn2012-07-25 14:56:102019-07-17 09:32:09Customize Your Property Search & Listings on Facebook
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0
0
flynn
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flynn2012-07-24 11:43:482019-07-17 09:45:13New Optima Express Pages – More WordPress Leads & Listings
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0
0
flynn
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flynn2012-07-20 10:41:062019-07-17 09:45:14iHomefinder Helps Agents Get Leads from Facebook
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0
0
flynn
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flynn2012-07-19 11:21:302019-07-17 09:45:15iHomefinder Launches Optima Social – IDX for Facebook!
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0
0
flynn
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flynn2012-06-05 15:03:102019-07-17 10:33:15Property Search & Featured Listings for Facebook Timelines!
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0
0
flynn
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flynn2012-04-13 09:04:192019-07-17 09:45:16Searching For Open Homes Is Easier with Optima IDX
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0
0
flynn
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flynn2012-03-29 11:23:332019-07-17 09:45:17A New Look for Optima Express Search
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0
0
flynn
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flynn2012-03-02 08:37:112019-07-17 09:32:15Optima IDX: Easier Search with Free Text & Auto-suggest
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0
hank
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hank2012-02-29 12:36:552019-07-17 10:22:28New iHomefinder Website
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0
0
hank
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hank2012-02-17 15:10:072019-07-17 10:31:27iHomefinder Facebook App Default
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0
0
njohl
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njohl2012-01-12 17:57:552019-07-17 09:32:16iHomefinder Facebook App is here!
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0
0
njohl
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njohl2012-01-12 17:52:322020-12-14 13:30:36Optima Express – More Options More Power
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0
0
njohl
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njohl2012-01-11 14:24:332019-07-17 10:22:58MLSListings IDX for WordPress webinar replay
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0
0
njohl
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njohl2011-12-13 15:37:592019-07-17 10:23:07Leaf Realtors showcases Optima Express WordPress plugin
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0
0
njohl
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njohl2011-12-02 11:07:472019-07-17 09:32:18What’s New From iHomefinder This December!
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0
0
flynn
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flynn2011-10-26 15:06:542019-07-17 10:23:26Add Listings to Pages and Posts in Optima Express
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0
0
hank
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hank2011-10-10 14:58:342019-07-17 10:23:32Optima Express Pro – Best In Class
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0
0
flynn
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flynn2011-09-30 13:53:252019-07-17 10:23:41Optima Express Feature Updates
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0
0
hank
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hank2011-09-15 17:31:162019-07-17 10:23:49New Templates Styles for Agent, Power, and Broker IDX Accounts
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0
0
njohl
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njohl2011-08-24 14:11:032019-07-17 09:32:19Optima Express IDX for WordPress: Great Design, SEO, and Lead Capture!
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0
njohl
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njohl2011-08-17 16:15:002019-07-17 10:23:57The WAV Group Report: Building Member Value with IDX and Websites
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0
0
njohl
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njohl2011-08-10 15:24:282019-07-17 10:24:07Bay East Association of REALTORS launches iSiteBuilder
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0
njohl
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njohl2011-08-05 14:25:272019-07-17 09:32:19Widget Spotlight: Yelp
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njohl
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njohl2011-08-02 13:42:342019-07-17 09:32:20Widget Spotlight: Twitter
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njohl
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njohl2011-07-29 14:26:542019-07-17 09:32:21Widget Spotlight: Creating a Facebook Badge
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njohl
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njohl2011-07-28 10:29:392019-07-17 10:24:20Wild About Widgets for Real Estate Agents
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njohl
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njohl2011-07-26 15:37:262019-07-17 10:24:42RE Technology Reviews iSearch Optima IDX
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njohl
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njohl2011-07-15 14:17:032019-07-17 10:24:32Agents Start Your Blogs: Connect and Expand Your Reach
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njohl
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njohl2011-07-13 16:28:422019-07-17 10:25:16QR Codes Popping Up All Over
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njohl
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njohl2011-07-07 12:50:342019-07-17 10:25:00New! Widgets, Optima & More Mobile
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njohl
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njohl2011-05-26 15:27:272019-07-17 10:25:10Drive More Traffic with QR Codes from iHomefinder
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njohl
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njohl2011-05-05 14:18:062019-07-17 10:25:28MetroList Launches Website for Brokers: MetroListPRO Office Edition
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njohl
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njohl2011-03-22 15:50:322019-07-17 10:25:33Refresh Your IDX with iSearch Optima from iHomefinder
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njohl
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njohl2011-03-14 16:40:392019-07-17 10:25:39Optima IDX Gets Realtors Discovered Online
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njohl
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njohl2011-01-07 17:16:232019-07-17 10:25:58MLSListings Offers IDX Websites
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njohl
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njohl2010-11-11 17:02:102019-07-17 09:32:21Highlight Listings with Hot Sheet Slide Shows
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Joe Roncskevitz
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Joe Roncskevitz2010-11-11 16:29:032019-07-17 10:26:34Video Embedding with WordPress
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flynn
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flynn2010-10-27 13:55:212019-07-17 10:31:49101 Things For Real Estate Agents To Blog About
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flynn
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flynn2010-10-26 12:29:482019-07-17 10:26:43WordPress Blogs from iHomefinder
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flynn
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flynn2010-10-18 15:29:482019-07-17 10:26:52Welcome to the iHomefinder blog!
Original source: https://www.ihomefinder.com/blog/buyer-and-seller-resources/10-tips-for-first-time-home-buyers/
