First-Time Buyers

First-Time Home Buyer
Guide for Spokane

Your complete guide to buying your first home in Spokane, WA. From understanding the process to securing financing, Joey Costello will guide you every step of the way to homeownership success.

Free Consultation

The Process

Your Home Buying Journey

The home buying process doesn't have to be overwhelming. Here's a clear roadmap to help you navigate from start to finish with confidence.

Get Pre-Approved

1-3 days

Start with a mortgage pre-approval to know your budget and show sellers you're serious.

Find Your Agent

Day 1

Work with an experienced agent who understands first-time buyer needs and local market.

Start House Hunting

2-8 weeks

Tour homes that fit your budget and lifestyle with expert guidance on what to look for.

Make an Offer

Same day

Submit a competitive offer with strategic terms and professional negotiation support.

Home Inspection

7-10 days

Professional inspection to identify any issues and negotiate repairs if needed.

Close on Your Home

30-45 days

Final walkthrough, sign documents, and get the keys to your new home!

Financing Options

First-Time Buyer Loan Programs

Discover loan programs designed specifically for first-time buyers with low down payments and flexible qualification requirements.

FHA Loans

As low as 3.5%

Federal Housing Administration loans with flexible qualification requirements

Credit Score: 580+

Low down payment

Flexible credit scores

Gift funds allowed

VA Loans

0% down

For eligible veterans and active military with no down payment required

Credit Score: No minimum

No down payment

No PMI required

Competitive rates

USDA Loans

0% down

For eligible rural and suburban areas with no down payment

Credit Score: 640+

No down payment

Below market rates

Low fees

Conventional Loans

As low as 3%

Traditional loans with competitive rates for qualified buyers

Credit Score: 620+

Low down payment options

PMI removal

Flexible terms

Local Programs

Spokane Down Payment Assistance

Take advantage of local and state programs designed to help first-time buyers in Spokane achieve homeownership.

Washington State Housing Finance Commission

Down payment assistance programs for first-time buyers

3-5% of loan amount

Spokane County Down Payment Assistance

Local programs to help with down payment and closing costs

Up to $25,000 available

HomeChoice Program

For buyers with disabilities or disabled family members

Up to $15,000 assistance

Free First-Time Buyer's Guide

Download our comprehensive guide covering every step of the home buying process in Spokane — from pre-approval to closing day.

Download Buyer's Guide

Avoid Pitfalls

Avoid These Common Mistakes

Learn from other buyers' experiences and avoid these costly mistakes that can derail your home purchase.

✗

Not getting pre-approved first

✗

Skipping home inspection

✗

Making emotional decisions

✗

Not budgeting for closing costs

✗

Overlooking neighborhood research

✗

Not working with local agent

50+

First-Time Buyers

Your Champion

Your First-Time Buyer Champion

I understand that buying your first home can feel overwhelming. That's why I specialize in guiding first-time buyers through every step with patience, education, and expert support.

From explaining the process to negotiating on your behalf, I'll ensure you feel confident and informed throughout your home buying journey.

First-Time Buyer Expert

Local Market Knowledge

Financing Guidance

Negotiation Skills

(509) 507-0982

Begin Your Journey