What Do I Need to Start Buying a House?

Your Step-by-Step Guide to Getting Homebuyer-Ready in North Carolina

Thinking about buying a house around Fort Liberty or the surrounding counties (Cumberland, Hoke, Harnett, Sampson)? Whether you're military, a first-time buyer, or just tired of renting, here’s what you actually need to begin your homebuying journey the smart way.

1. A Clear Budget

Start by understanding how much house you can afford. Consider your:

• Monthly income

• Debts and expenses

• Savings for a down payment and closing costs

Tip: Most buyers aim to keep their total monthly mortgage payment under 30% of their gross income.

2. Pre-Approval from a Trusted Lender

This is your golden ticket. A pre-approval letter shows sellers you're serious—and it gives you a clear price range. Connect with Cassie for a list of trusted local lenders who specialize in VA loans, FHA, conventional, and more.

3. A Great Realtor (That’s Me!)

You'll want someone who knows the market, negotiates hard, and keeps your best interest front and center. As a local expert in the Fayetteville area, I walk buyers through every step—from offer to closing—with clear, honest advice.

4. Your Must-Have List

Think about what matters most:

• Location and school zones

• Commute times

• Number of beds/baths

• Home features (garage, fenced yard, etc.)

I help you prioritize and make realistic trade-offs based on your budget and goals.

5. Financial Documents Ready

Once you’re pre-approved, keep these handy:

• Recent pay stubs

• Tax returns

• Bank statements

• Military LES (if applicable)

You’ll need them during underwriting, so having them ready speeds things up.

6. A Plan for Upfront Costs

Besides your down payment, plan for:

• Home inspection

• Appraisal

• Closing costs (typically 2–5% of the purchase price)

• Moving expenses

Pro tip: Some buyers can negotiate for seller-paid closing costs. Ask me how!

Ready to Start?

Let’s get you house-hunting with confidence.

Call or text me at 910-916-9315 or email cassie@birchandbeamrealty.com to schedule your free buyer consultation.

Follow me on Instagram @closewithcassie_nc and Facebook Close with Cassie - Realtor for more tips and local insights.

🧐 People Also Asked:

What credit score do I need to buy a house? Most lenders look for 620+, but VA and FHA loans may accept lower scores. The higher your score, the better your rate.

How much money should I save before buying? You’ll want enough for a down payment (0–20% depending on the loan), plus 2–5% for closing costs.

Can I buy a home with no money down? Yes! VA and USDA loans offer 0% down options. I can help you find out if you qualify.

How long does it take to buy a house? From pre-approval to closing, it typically takes 30–60 days.