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The Best Place to Find Your Home
The Ben Espenshade Team
(717) 385-3107
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The Best Place to Find Your Home
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The Best Place to Find Your Home
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First-Time Homebuyer Tips for Summer 2025 in Central PA

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Buying your first home is one of the most exciting decisions you'll ever make. But with changing interest rates, low inventory, and high buyer expectations, it helps to go in prepared. Here's what first-time buyers in Harrisburg, Camp Hill, and beyond should keep in mind this summer. What First-Time Buyers Should Know Right Now: 1. Interest Rates Are Higher—But You Still Have PowerThough mortgage rates aren’t as low as 2020 or 2021, today’s market has less competition. That means fewer bidding wars and more room to negotiate on price or seller credits. 2. Explore All Your Loan OptionsDon’t assume you need 20% down. Explore: FHA Loans (as low as 3.5% down) USDA Loans (0% down in qualifying rural areas) Conventional 3% programs First-Time Homebuyer Grants through PHFA 3. Get Pre-Approved Before ShoppingA pre-approval letter shows sellers you’re serious and financially ready. It also helps you and your agent stay focused on homes within your actual price range. 4. Don’t Skip the Home InspectionEven if a property seems perfect, a professional inspection helps you uncover hidden issues and negotiate repairs. 5. Work with an Agent Who Knows the MarketA local expert can help you avoid overpaying, find hidden gems, and stay competitive. The Ben Espenshade Team specializes in Central PA neighborhoods and first-time buyers. Local Buyer Tip: Get familiar with neighborhoods. Attend community events, visit on weekends, and explore walkability, school ratings, and commute times.

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