First-Time Home Buyers

Are you a first time home buyer? 

Are you a first time home buyer? Did you know that if you haven’t owned property in the last three years, you’re considered a first time buyer?

The video resources below will answer many of the common questions that first time home buyers have when starting the home buying process. Video topics include how much money do you need down, what credit scores do you need for a preapproval, what’s mortgage insurance and much more.

If you have any questions or are ready to start the home buying journey, fill in the form below and someone from my team will be in touch shortly. 

If you are a first-time home buyer, here are some helpful hints and tips to learn how to avoid common mistakes when buying your first home.

  • List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes - things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
  • Visualize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?
  • Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? Don't make a hurried decision that you may regret later.
  • Representation by a Professional: Hiring an experienced team like Beach Team can give you access to off-market properties and private exclusives, while we guide you smoothly through the home buying process.
First-Time Home Buyer Advice
You can’t know everything there is to know about buying a home, especially when you’re a first-time homebuyer.
5 Tips for Making a Strong Offer
5 Homebuying Mistakes to Avoid
Making An Offer
Before the offer to purchase is created, you must be at least pre-qualified or, better yet, pre-approved by a lender, unless you are paying cash.
Escrow, Now What?
Once your offer is accepted by the seller it starts the escrow period. You will be asked for a down payment, typically 1% of the purchase price.
What Are Closing Costs?
You've found your dream home, the seller has accepted your offer, your loan has been approved and you're eager to move into your new home.
How Commissions Work
How do real estate agent commissions work? Information on commissions for both sellers and buyers.
Home Disclosures
What are home disclosures and how do they work for both sellers and buyers?
The Importance of Communication
It is important to choose a real estate professional who is communicative and available for you. Lack of communication can lead to lots of problems in a real estate transaction.
4 Types of Lenders Explained
5 Mortgage Application Mistakes That Could Cost You Thousands

First Time Buyers

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See what our clients are saying:
Steve and his team are wonderful to work with. As out of state buyers we relied on Steve to be our local eyes and ears. He helped us find the perfect house and the perfect location for our family. He was professional, responsive and he exceeded our expectations every step of the way. Don't hesitate, call Steve today!
Dave G.
Steve is hands down the best realtor! He helped us find our dream forever home and we couldn’t be more grateful!! He goes above and beyond for his clients, is incredible with communication and makes the purchasing process as smooth as possible. Thank you Steve for everything!
Jenn S.
Rachel was a Godsend to us after arriving here in CA! She helped us find the perfect home for us, which was no easy feat. I wish I could give more stars because she deserves them all! Steve was so kind and checked in on us to make sure we were adjusting well, and that all of our questions were answered. The entire team is beyond kind and so patient. Thank you Beach Team! We will absolutely be using them again, if -needed, and be recommending to everyone in the area that we know.
Breanna F.
We have done several transactions, both buying and selling, with Steve and the Beach Team and cannot speak highly enough… the communication, attention to detail, knowledge of the market and expert negotiation/strategy!! We recommend Steve to every person who asks for a real estate referral. We are grateful for Steve’s knowledge and expertise in helping us with our family home!
Maddie H.
Absolutely the best service and care you could hope for! Steve and his colleagues in Long Beach went above and beyond our wildest expectations. We were truly delighted to have been represented by such a professional, attentive and considerate team.
Brilliant, Fantastic and Awesome!
Ray E.
When we first met Steve, we knew he was the man for the job. Steve jumped on board right away helping us put our house on the market. He then brought in his associate Rachel, to assist us in relocating to another place. Rachel reliable and sweet and made us very comfortable. After our opening weekend, we received many offers and with Steve’s help, the house sold. I would highly recommend The Beach Team. Steve is a great negotiator too!
Richard G.
This team is on top of it. I want to specifically point out our amazing agent - Steve Nader. He was integral in making our first home buying experience a seamless and successful one. Not only did he help us beat out 18 offers but he also helped us negotiate the price of the house down and saved us $33,000 dollars!!! We felt truly taken care of and knew we were in good hands. His rapport-building and negotiation skills are game changers! Thank you so much Steve - our new home literally checked the box for many of our requirements and preferences. You made our dreams come true in this extremely competitive landscape. Not only did we get the house that we wanted but we also got it within the budget we had proposed. This is our first home and am so grateful we had the support of the Beach team by our side.
Stephanie M.
It’s great to work with Steve and team, attention to detail and making the sell process stress free. I am looking forward to our purchase next, not the first time using Steve and team for many reasons. Highly recommended. Thank you!!
Gonzalo C.
Steve recently helped us close on our first investment property, but I met Steve two years before that. Even though I wasn’t quite ready to make the plunge yet, I found Steve to be very knowledgeable and knew I wanted to use him when I decided to buy. Once we identified a property Steve moved quickly and was not only a strong client advocate, but was also able to develop strong rapport with the listing agent to really steer the transaction our way. Bottom line, Steve is a great resource and his team of veterans were professionals throughout the process. I have referred him to friends and would not hesitate doing so again. Give Steve a call!
Timothy L.
Steve was working tirelessly for us from start to finish. We are impressed with the Beach team with Steve at it's helm. Every step of the way Steve and the team were engaged. We asked him to be an aggressive agent on our behalf and Steve showed up and then some. He got us our dream home right before Christmas in the middle of lockdowns. He was Santa for our family and a hero who helped make our dreams come true.
Kristin C.
It’s always wonderful when a team has your back! Steve Nader has his team made it so easy. This team will keep you on track and doing what needs to be done to sell and buy your new home. Our family was wowed and well taken care of! Highly recommend!
Kelly P.
Working with Steve was seamless - beginning to end. His responsiveness and availability (even during his vacation!) sets him apart. Great home. Wonderful neighborhood. Happy buyers. Five Stars all the way. Thanks Steve!
Lee B.
We have no hesitation to give Steve Nader and the entire Beach Team a 5 Star review! We’d give 10 if we could. We both purchased and sold our house through them and both transactions were incredibly smooth. We appreciated their transparency in communication and we always knew they had our best interest in mind. The listing marketing was top notch and the organization along the way was stellar. Thank you!
Jaime S.
The experience working with Rachel Rivera and the Beach Team was excellent. It was my first home purchase and they helped me every step of the way. I’m very grateful to have found Rachel. When I first met her, I had a daunting request — told her I wanted a condo with floor to ceiling windows and an ocean view. We looked near and far and just like magic she pulled off the almost - impossible and got me my dream condo. She was always responsive and constantly kept me in the loop, so there were no mysteries and ultimately the process could not have gone smoother. I highly recommend Rachel and look forward to working with her again on my second home purchase. Many thanks to Rachel & Team!
Iulia V.
Steve went above and beyond for us! We were able to find our dream home and close in less than 3 weeks! We enjoyed every part of working with Beach Team- we could not have done it without them! Thank you for everything!!!
Catrina M.
Rachel Rivera at Beach Team helped me locate a property within a couple of weeks. Competing against multiple offers, she was able ultimately to secure the property for me. It was a smooth escrow and everything worked out well.
James W.
Steve and his team were nothing short of amazing. He not only sold our home, but he also found us a new one that exceeded our expectations. From prelisting prep, to marketing, and close his team had such a high level of communication that we felt there was nothing to worry about. Thank you Steve Nader and Beach Team.
Seth D.
Best real estate agency in Long Beach. Pleasure to work with. Rachel went above and beyond.

Thank you!
Geoff C.
Steve Nader and the Beach Team are fabulous--- hardworking, meticulous about every detail, and really congenial to work with.

Steve helped me find my property in Long Beach , knowing full well that I was going through a near state of panic trying to locate a replacement property for a 1031 Exchange property. He is extremely intelligent and sensitive to the needs of the people he is representing, something I have often found lacking in the many realtors whom I have worked with through the multiple transactions I have engaged in over the course of 40 years in quite a few different states.

Whether you are a buyer or a seller---sign up with him ----you will not regret it. From day 1, I am confident he will represent you better than almost anyone else can.And on top of it, you will really respect his integrity, smarts, and sensitivity to you as his client.
Lily W.
Steve and the Beach Team provide 5 star service all the way! My husband and I have bought and sold 3 homes with Steve over the past 5 years as our family continues to grow. He brings both vast market knowledge and amazing customer service to one of the most important decisions you will make in life. Steve has a keen eye for detail and brokers a favorable transaction every time. The Beach Team goes above and beyond to ensure each client is beyond satisfied.
Carly M.
Steve is awesome! Great experience working with both Steve and Lynda.
Amber P
Steve is fantastic to work with! He’s very experienced, smart and kind finding the home I was looking for. His team is also great to work with. I highly recommend him!
Toni M
Hands down, we would not have closed on our home without the Beach Team’s tenacity and experience!
Edwin D
Steve Nader and the Beach Team gave us the best opportunities to find our dream house in this difficult and competitive Long Beach house market. Steve is an amazing communicator, very transparent, has an extremely strong local knowledge and network which helped us stay focused on our goals and helped us feel comfortable in making the best decision for our family. We can’t thank Steve and the Beach Team enough for all their support and most of all we always felt that they had our best interest at heart which put us in a great position to get the right house in the right neighborhood.
Christophe F
I was fortunate to be referred to Steve and his team by my commercial realtor. Steve helped me swiftly find and purchase a single family home. He prepared me well for the market conditions and likelihood of bidding competition. And his team (Lynda and Rose) was very patient with the sellers realtor who was less familiar with selling homes (vs managing commercial properties). I would definitely recommend working with the Beach Team.
Renee S
This is our second experience with Steve and his team. It was going to be difficult to beat the first one but they pulled it off with ease. After selling our home last year Steve was on the hunt for our perfect home, no easy task with the want list my wife had given him. He found our house, helped us draft a killer offer and nailed the negotiations. They helped us through every step and followed through to the very end. Cannot recommend Steve and Beach Team enough.
Matt V
We met Steve at one of his open houses when we were casually browsing and had a terrific convo. At that point we were exploring our agent options and he stood out immediately due to his local knowledge and confidence in his business. We decided to move forward with Steve as our agent and ever since, him and his team have been phenomenal. They found us an off-market opportunity after multiple competitive negotiations on other properties and was able to help us get a great deal. We are grateful for his team’s support and plan to make sure anyone we know buying in LB/OC gets referred to the Beach Team.
Kylan & Ciella K.