First-Time Homebuyers
Serving Portland, Beaverton, Hillsboro, Lake Oswego, and the full Portland metro. Call Kara at 503-544-5722.
What You Need to Know
Your first home is one of the biggest decisions of your life, and Kara takes that seriously. They are known for their patience, their plain-English explanations, and their willingness to walk you through every form, every step, and every moment of uncertainty.
Why Choose Kara for First-Time Homebuyers
First-time buyers ask the same question five times, in five different ways, because the stakes are real and nobody explained any of this the first time. That is exactly the right instinct, and Kara will answer it a sixth time if needed without making anyone feel behind. They hold the First-Time Homebuyer Specialist designation and spend real time on buyer education before a single offer gets written: what earnest money actually does, what an inspection contingency protects you from, why a pre-approval letter is not the same as a pre-qualification. Kara would rather spend two extra weeks up front than watch a first-time buyer panic during their first counteroffer. If you are buying your first home and feel like you should already understand all of this, you do not, and that is fine.
Kara is backed by MORE Realty, holds a 5.0-star rating on Zillow across 16 verified reviews, and serves clients across Washington, Multnomah, and Clackamas Counties in Oregon and Clark County in Washington.
Frequently Asked Questions
What programs are available for first-time buyers in Oregon?
Oregon offers several first-time buyer programs including Oregon Bond loans with below-market interest rates, down payment assistance through Oregon Housing and Community Services, and USDA loans for rural properties. Kara can connect you with lenders who specialize in first-time buyer programs.
How much do I need for a down payment to buy in Portland?
Down payment requirements range from 0% (VA and USDA loans) to 3% (conventional, FHA) to 20% (conventional without PMI). In Portland's market, many buyers use 5-10% down with the help of down payment assistance programs. Kara can help you understand what is realistic for your situation.
How long does it typically take to buy a home in Portland?
The process from getting pre-approved to closing typically takes 45-90 days. In competitive markets you may need to write multiple offers before one is accepted. Kara guides first-time buyers through every step and is known for their patience and thoroughness in explaining the process.
Ready to Get Started?
Find Your Next Home
Whether you are buying, selling, or just exploring, Kara is ready to put their 11 years of Portland market expertise to work for you.