As a young married couple shopping for your first home in Westchester, NY, here are some tips to help you navigate the process smoothly and confidently in 2024:

1. Define Your Budget and Get Pre-Approved

  • Knowing your budget before you start will save time and keep your search realistic. Work with a lender to get pre-approved so you can act fast in a competitive market.

2. Prioritize Your Must-Haves vs. Nice-to-Haves

  • Decide what features are essential for you, such as a specific number of bedrooms, proximity to transit, or access to good schools. Be flexible on features that are less critical so you can keep options open.

3. Explore Different Westchester Neighborhoods

  • Westchester has many communities, each with its unique charm and amenities. Look into areas like White Plains, Scarsdale, Yonkers, and New Rochelle to understand which best suits your lifestyle and budget.

4. Consider the Commute

  • If you’re working in NYC or surrounding areas, check train and transit options for each neighborhood. Convenient access to public transportation can make a huge difference in your daily quality of life.

5. Factor in Property Taxes

  • Westchester’s property taxes can vary widely between towns, so research tax rates in each area. This will help you better estimate monthly expenses and long-term costs.

6. Think Long-Term

  • Consider not just your needs today, but also a few years down the line. Features like extra bedrooms, larger yards, or proximity to schools may be important as your family grows.

7. Work with a Local Real Estate Agent

  • A knowledgeable agent can offer insights into the local market, find listings quickly, and guide you through negotiations, saving time and effort.

Buying a first home in Westchester is a big step, but with clear priorities, smart budgeting, and the right support, you’ll be ready to find a home that fits your needs for years to come!

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