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uying your first home can be a thrilling yet daunting experience, especially with rising housing prices and hidden costs. To navigate this complex process, experts stress the importance of preparation.

    Paige Martin, a seasoned real estate expert in Houston, advises first-time buyers to start early and assemble a team of trusted professionals. This "team" includes not only a Realtor but also a lender and insurance agent. Martin recommends interviewing multiple agents to find the right fit and gathering a group of experts who can guide you through the process.

    Will Green, who recently closed on his first home, initially focused on aesthetics, but soon realized there was more to consider. "You need to think about interest rates, floodplains, and other factors that affect your monthly costs," he said. Martin emphasizes understanding the full scope of mortgage costs, including principal, interest, taxes, and insurance.

    In Texas, property taxes have increased by 15% over two years, while insurance premiums have surged 40% since 2023. To avoid costly surprises, new buyers should do their homework and lean on experts. "With the right team in place, you'll likely save money, time, and gain a built-in safety net," Martin said.