{"id":9471,"date":"2026-04-22T16:00:00","date_gmt":"2026-04-22T23:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=9471"},"modified":"2026-04-22T16:00:00","modified_gmt":"2026-04-22T23:00:00","slug":"are-you-ready-to-buy-your-first-home","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/are-you-ready-to-buy-your-first-home\/","title":{"rendered":"Are You \u201cReady\u201d to Buy Your First Home?"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/ready-buy-home\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Slide 1<br \/>\nStart by narrowing your location, setting a realistic budget, and finding a trusted local realtor.<\/p>\n<p>Slide 2<br \/>\nFactor all costs into your budget, including mortgage, taxes, insurance, and utilities.<\/p>\n<p>Slide 3<br \/>\nProperty taxes vary by location, while insurance depends on credit, location, and safety proximity.<\/p>\n<p>Slide 4<br \/>\nGet pre-qualified so lenders assess income, credit, and debt-to-income ratios before home shopping.<\/p>\n<p>Slide 5<br \/>\nDown payments aren\u2019t always 20%; some first-time programs offer 100% financing without PMI.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Slide 1 Start by narrowing your location, setting a realistic budget, and finding a trusted local realtor. Slide 2 Factor all costs into your budget, including mortgage, taxes, insurance, and utilities. Slide 3 Property taxes vary by location, while insurance depends on credit, location, and safety proximity. Slide 4 Get pre-qualified so lenders assess income, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9472,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2sL","jetpack-related-posts":[{"id":9435,"url":"https:\/\/lisamillerpllc.com\/staging\/condo-vs-single-family-home-financial-comparison\/","url_meta":{"origin":9471,"position":0},"title":"Condo vs. Single-Family Home Financial Comparison","author":"admin","date":"April 9, 2026","format":false,"excerpt":"Slide 1 Single-family homes cost more upfront but offer greater control and flexibility. Slide 2 Condos have lower purchase prices but include ongoing, unpredictable HOA fees. Slide 3 Maintenance differs: homeowners control repairs, condo owners share collective costs. Slide 4 Building equity takes years; frequent moves increase taxes and transaction\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/financially-single-family-condo_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9272,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-2026-essential-tips-for-rental-buying\/","url_meta":{"origin":9471,"position":1},"title":"Phoenix 2026: Essential Tips for Rental Buying","author":"admin","date":"February 23, 2026","format":false,"excerpt":"Slide 1: Phoenix rental investing in 2026? Your first check is the Arizona vacancy rate\u2014not just the rent price. Slide 2: Use HUD Fair Market Rents as your secret baseline, not the listing's \"pro forma\" dream number. Slide 3: Your real monthly cost must include HOA fees, insurance hikes, AND\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/02\/phoenix-rental-buying-checklist_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9111,"url":"https:\/\/lisamillerpllc.com\/staging\/mortgage-rates-drop-homes-still-climbing\/","url_meta":{"origin":9471,"position":2},"title":"Mortgage Rates Drop: Homes Still Climbing?","author":"admin","date":"January 19, 2026","format":false,"excerpt":"Slide 1 Homes are finally more budget-friendly\u2014median price $385K, up $9K since last year! Slide 2 Mortgage rates dropped 0.7% since May\u2014your dream home might cost less now. Slide 3 Inventory jumped 18%\u2014more homes to choose from than any November since 2015! Slide 4 65% of U.S. markets saw rising\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/01\/us-home-price-mortgage_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9467,"url":"https:\/\/lisamillerpllc.com\/staging\/broker-backbone-of-american-homeownership\/","url_meta":{"origin":9471,"position":3},"title":"Broker: Backbone of American Homeownership","author":"admin","date":"April 20, 2026","format":false,"excerpt":"Slide 1: Mortgage brokers are essential, providing access and personalized service that large lenders cannot replicate. Slide 2: Brokers help first-time, self-employed, and credit-challenged borrowers achieve homeownership opportunities otherwise unavailable. Slide 3: Unlike retail loan officers, brokers shop dozens of lenders to find optimal rates and terms. Slide 4: This\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/broker-american-homeownership_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9223,"url":"https:\/\/lisamillerpllc.com\/staging\/is-a-slow-rebound-coming-for-us-homes\/","url_meta":{"origin":9471,"position":4},"title":"Is a Slow Rebound Coming for US Homes?","author":"admin","date":"February 9, 2026","format":false,"excerpt":"Slide 1: 2026 housing rebound is coming\u2014but it\u2019s slow, steady, not a sudden boom. Slide 2: Redfin calls it the \u201cGreat Housing Reset\u201d: incomes finally outpacing home prices. Slide 3: NAR predicts +14% existing home sales, +5% new homes, with mortgage rates ~6%. Slide 4: Realtor.com sees nearly +9% inventory\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/02\/america-homes-slow-rebound_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":8791,"url":"https:\/\/lisamillerpllc.com\/staging\/how-big-can-arizona-adus-actually-be\/","url_meta":{"origin":9471,"position":5},"title":"How Big Can Arizona Adus Actually Be?","author":"admin","date":"September 22, 2025","format":false,"excerpt":"Slide 1 Arizona now requires big cities to allow ADUs\u2014giving homeowners new housing options. Slide 2 ADUs max out at 1,000 sq ft or 75% of your main home. Slide 3 Setbacks can be as little as 5 feet, opening doors for smaller lots. Slide 4 HOAs can\u2019t fully ban\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2025\/09\/arizona-adu-law_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/ready-buy-home_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9471","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9471"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9471\/revisions"}],"predecessor-version":[{"id":9478,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9471\/revisions\/9478"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9472"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9471"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9471"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9471"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}