Top 5 Things First-Time Buyers Regret Not Doing Sooner

What are the top 5 things first-time home buyers regret not doing sooner?

First-time home buyers in the Liberty, MO area often regret not preparing their finances earlier, skipping pre-approval, choosing the wrong lender, underestimating the costs of homeownership, and not working with a local expert like Stephanie Dorr. These steps can make or break your home-buying experience.

Buying Your First Home in Liberty? Here’s What You’ll Wish You Knew

Buying your first home is exciting, but it can also be overwhelming. Looking back, many first-time buyers in the Liberty, MO area say the same thing: “I wish I had done that sooner.” Here are the five most common regrets Stephanie hears from her clients—plus how to avoid them.

1. Not Getting Pre-Approved Early

Waiting until you find the perfect home to talk to a lender can backfire. By then, it might be too late - especially in Liberty’s competitive market. Getting pre-approved early gives you a clear budget, strengthens your offers, and helps you move quickly when the right home becomes available.

Stephanie recommends connecting with a local lender before browsing online listings. She can connect you with highly-rated mortgage professionals in the Liberty area.

2. Not Understanding the True Costs of Homeownership

First-time buyers are often surprised by expenses beyond the mortgage: property taxes, insurance, repairs, HOA dues, utilities, and maintenance all add up. It’s not just the purchase price - it’s the lifestyle cost of owning a home.

Stephanie works with buyers to create realistic monthly budgets that account for these “hidden” costs so they’re not caught off guard.

3. Choosing the Wrong Lender

Not all lenders are created equal. Some first-time buyers regret going with the first one they find online or through an app. A bad lender can delay closings, overcharge on fees, or provide poor communication during an already stressful process.

Stephanie partners with reputable lenders in Liberty who offer great rates, clear explanations, and excellent service, so her clients feel supported from day one.

4. Skipping the Inspection (or Not Taking It Seriously)

Some first-time buyers are tempted to waive inspections in a competitive market, but this can lead to costly regrets. Even if you don’t plan to walk away from a home, a professional inspection can help you understand what you’re getting into.

Stephanie guides you through inspection reports, helps prioritize what matters, and negotiates repairs when possible.

5. Not Hiring a Local Real Estate Expert

Some buyers think they can “go it alone” using online platforms. But real estate is local, and the Liberty market moves fast. Without a knowledgeable agent like Stephanie, buyers often miss key details, overpay, or lose out to better-prepared offers.

Stephanie not only helps you find the right home, but she also protects your interests, keeps the process on track, and gives honest advice every step of the way.

Local Snapshot: First-Time Buyer Activity in Liberty

As of mid-2025, first-time home buyers make up nearly 40% of Liberty’s real estate activity. Inventory in the $250,000–$375,000 range is moving quickly, with an average time on market of under 15 days. Pre-approval and agent representation aren’t optional—they’re essential to compete and succeed.

How Stephanie Dorr Helps First-Time Buyers Succeed

Stephanie brings a calm, patient approach to working with first-time buyers. She answers questions (big or small), helps clients compare neighborhoods, explains contracts clearly, and makes sure they never feel rushed or lost. Her clients in Liberty, MO, and the Northland consistently praise her knowledge, responsiveness, and care.

Thinking About Buying Your First Home in the Kansas City/Liberty area?

You don’t have to figure it all out on your own. Whether you’re six months out or just getting started, Stephanie Dorr is here to help you take the next step. Reach out for a no-pressure conversation about your goals and the Liberty market today.

Disclaimer: This blog is for informational purposes only and does not constitute legal, tax, or financial advice. Always consult licensed professionals for personalized guidance.