First Time Homebuyers

Welcome to Your First Home Buying Experience!
At Copper Key Realty & Waterfront, we understand that buying your first home is an exciting journey. Whether you’re dreaming of lakefront living or finding a cozy home in the Chippewa Valley, we’re here to guide you every step of the way.

Step-by-Step Guide to Buying Your First Home

1. Determine Your Budget

  • Use our Mortgage Calculator to understand what you can afford.

  • Don’t forget to include property taxes, insurance, and maintenance.

2. Get Pre-Approved for Financing

  • Pre-approval strengthens your offer and clarifies your price range.

  • Need advice? Contact our recommended mortgage partners.

3. Partner with a Local Real Estate Expert

  • With years of experience in the Chippewa Valley market, Copper Key Realty & Waterfront specializes in matching buyers with their dream homes.

4. Start Your Home Search

  • Explore our listings for lakefront properties and neighborhood homes.

  • Schedule tours with our agents to find the perfect fit.

5. Make a Competitive Offer

  • Our team will help you draft a strong offer and negotiate terms to secure your dream home.

First-Time Buyer FAQs

What are the benefits of buying a home in the Chippewa Valley?

  • Affordable living, access to stunning lakes, and a welcoming community.

What is the typical down payment for first-time buyers?

  • Depending on the loan type, down payments typically range from 3% to 5%.

How long does the buying process take?

  • On average, from mortgage pre-approval to closing, it takes 30-60 days.

Popular Loan Programs for First-Time Buyers

FHA Loans

  • Ideal for first-time buyers with flexible credit requirements and low down payments.

VA Loans

  • For eligible veterans and active-duty military, offering zero-down payment options.

USDA Rural Development Loans

  • Great for properties in rural areas of the Chippewa Valley, with low interest rates.

First-Time Buyer Assistance Programs

  • Ask us about grants or low-interest loans available in Wisconsin for first-time buyers.

Tips for First-Time Home Buyers

  1. Save for More Than the Down Payment: Be prepared for closing costs, moving expenses, and initial repairs.

  2. Consider Resale Value: Even your first home should be a sound investment.

  3. Focus on Your Lifestyle: Whether you want lakefront tranquility or city convenience, think long-term.

Discover Lakefront Living with Confidence

At Copper Key Realty & Waterfront, we specialize in connecting buyers with the best properties in the Chippewa Valley. Whether you’re dreaming of lakefront sunsets or a family-friendly neighborhood, our team is here to help.