First-Time Buyer Tactical Playbook

ComePrepared by YourSix Real Estate | Kevin Denton 

■ Objective: Get you from “just starting out” to holding the keys — with confidence and clarity. 

Phase 1: Get Mission-Ready (Prep Work) 

✔ Understand your credit score (aim for 620+ for most loans) 

✔ Save for down payment (3–5% for conventional, or $0 for VA) 

✔ Budget realistically for monthly payments, closing costs, and moving expenses ✔ Avoid big purchases or job changes before applying! 

Phase 2: Assemble Your Fire Team 

✔ Work with a buyer-focused agent (not just any listing agent) 

✔ Choose a lender who educates, not just qualifies 

✔ Get pre-approved — this strengthens your position when making offers 

Phase 3: Define Your Target 

✔ Must-haves vs. nice-to-haves (bedrooms, commute, schools, etc.) 

✔ Preferred neighborhoods or zip codes 

✔ Know your timeline (when do you need to move?) 

Phase 4: Engage the Market 

✔ Tour 3–6 strong matches (don’t over-shop) 

✔ I’ll handle property comparisons and red flag detection 

✔ Stay tactical — homes move fast 

Phase 5: Lock It In 

✔ We write an offer that balances strong pricing with smart protections ✔ Negotiate credits, repairs, and timelines 

✔ I’ll help you avoid emotional decisions and win the deal 

Phase 6: Final Checks 

✔ Home inspection (non-negotiable) 

✔ Loan underwriting and appraisal 

✔ Insurance, title work, and walk-through 

Phase 7: Close & Move In 

✔ Review and sign documents 

✔ Get your keys and celebrate 

✔ I’ll be on standby for referrals, contractor recs, and anything you need after move-in 

■ Bonus Tools I Provide: 

■ First-time buyer checklist PDF 

■ Access to off-market opportunities 

■ Lender, title, and insurance partner referrals 

You’ve got questions. I’ve got your six. 

Kevin Denton, Veteran & Arizona Real Estate Agent 

■ 480-227-2306 / sgtdenton@yoursixrealestate.com

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