First-Time Home Buyer

Your Guide to Buying Your First Home

Turning "Someday" Into Reality

Demystifying the buying process so you can step into homeownership with total confidence.

Buying your first home is incredibly exciting, but it’s completely normal to have a lot of questions. How much do I really need to save? What does a real estate attorney actually do? How do I make sure I’m not overpaying?

You don’t have to figure it out alone. Sarah Cullina specializes in guiding first-time buyers through the unique landscape of Chicago and its surrounding suburbs. With 15+ years of experience, Sarah takes the guesswork, stress, and intimidation out of the equation—replacing them with clear education, honest advice, and unwavering advocacy.

The First-Time Buyer Roadmap

The journey from renting to owning can seem complex, but it boils down to five distinct, manageable milestones.

The Discovery Consultation

We meet up to discuss your budget, target neighborhoods, and "must-haves." We’ll review the local market trends, look over standard contract paperwork together, and answer every single question you have before looking at a single house.

Securing the Right Financing

We’ll connect you with vetted, local mortgage lenders who specialize in first-time buyer programs. They will help you get pre-approved, calculate your comfortable monthly payment, and check your eligibility for down payment assistance grants.

The Fun Part: House Hunting

Armed with your pre-approval, we start touring properties! We’ll look at home foundations, roof conditions, and resale value potential—not just the pretty finishes—to ensure you make a smart investment.

Negotiating Your First Contract

When you find the right place, I will draft a strategic offer designed to win the seller's approval without overstretching your budget. I’ll walk you line-by-line through the contingencies that protect your hard-earned earnest money.

Closing & Handing Over the Keys

During the escrow period, I coordinate closely with your home inspector, lender, and attorney. We'll do a final walkthrough of the property to ensure everything is perfect, then head to the closing table to get your keys!