First-Time Buyer Checklist
Buying your first home is a big step. This easy checklist shows you what to do — one step at a time.
What do first-time home buyers need?
Buying a home does not have to be scary. You just need a plan. First-time buyers need three main things: savings for a down payment, good credit, and the right papers ready.
With Islamic home financing, you can do all of this without paying interest. Follow the six steps below and you will be ready.
Your 6-step home buying checklist
Save for your down payment
- Most buyers put down 3% to 20% of the home price.
- Save a little every month — it adds up!
- Keep your savings in a safe place.
Check your credit
- Your credit score shows how well you pay bills.
- Pay bills on time to keep your score healthy.
- A better score can mean better terms.
Gather your papers
- Pay stubs from your job (last 2 months).
- Bank statements (last 2 months).
- Tax returns (last 2 years).
- Photo ID.
Get pre-approved
- Pre-approval tells you how much home you can buy.
- It shows sellers you are a serious buyer.
- Our team can pre-approve you the halal way.
Find your home
- Make a list of what your family needs.
- Work with a realtor you trust.
- Visit homes and take your time.
Close and move in
- Review your halal financing contract.
- Sign the final papers.
- Get your keys. Alhamdulillah — welcome home!
First-Time Buyer Questions
How much money do I need to buy my first home?
It depends on the home price. Many first-time buyers put down as little as 3% to 5%. Our advisors can help you find the right amount for your budget.
Can I buy my first home without paying interest?
Yes! Our halal financing programs let you buy a home with no interest (riba). They are 100% Sharia-compliant and certified by AMJA scholars.
How long does it take to buy a home?
Most buyers close in 30 to 45 days after their offer is accepted. Getting pre-approved first makes everything faster.
What is pre-approval?
Pre-approval is a letter that says how much home you can afford. It is free, and it makes sellers take your offer seriously.
Ready to start your journey?
Our team loves helping first-time buyers. We will guide you step by step — the halal way.
Meet Our Team