First-Time Buyer
First Time Home Buyer
Charlotte, NC
Your complete guide to buying your first home in Charlotte. Programs, tips, and expert guidance.
Frequently Asked Questions
How much do I need for a down payment in Charlotte?
As little as 3% for conventional loans or 3.5% for FHA. VA and USDA loans offer 0% down for eligible buyers. NC Home Advantage provides up to 5% in DPA.
What credit score do I need to buy a home?
FHA loans accept scores as low as 580 with 3.5% down. Conventional loans typically need 620+. Higher scores get better rates.
How long does it take to buy a home in Charlotte?
From first search to closing, plan for 60-90 days. The offer-to-close process in NC is typically 30-45 days including due diligence.
Should I get pre-approved before looking at homes?
Absolutely. Pre-approval shows sellers you are serious and tells you exactly what you can afford. We can connect you with trusted local lenders.
Charlotte Starter Homes Available Now
Live data from Canopy MLS for the first-time buyer price range.
Under $300k
537
active listings
$300k - $400k
796
active listings
Total Starter Range
1,333
homes under $400k
Inventory at this price point moves quickly. Get pre-approved before you start touring.
Oasis Realty Group Guides First-Time Buyers in Charlotte
From pre-approval to closing day. Free consultation, no pressure, no sales pitch.
Call 704-723-2721Ready to Find Your Home?
Let Oasis Realty Group help you find exactly what you are looking for.
or email nick@theoasisrealtygroup.com
Find Your Perfect Home
Nick and Craig will reach out within the hour.