5 Things First-Time Homebuyers in the North Willamette Valley Should Know Before They Start Shopping

Buying your first home is one of those big life milestones that’s both exciting and a little overwhelming. Between saving for a down payment, figuring out what you can afford, and trying to understand all the steps, it can feel like a lot to take in.

After helping many first-time buyers across Canby, Oregon City, and nearby towns, I’ve found there are a few key things that make the process smoother and less stressful. So let’s walk through them together:

1. Get Preapproved Early—Before You Fall in Love With a Home

Before you start touring homes, talk with a trusted local lender and get preapproved for a mortgage. It’s the best way to know what price range you can comfortably shop in and makes your offer stronger when you find “the one.”

I once worked with a couple in Canby who found their dream home before they were preapproved, and by the time they scrambled to get paperwork in, the house was gone. The next time around, we were ready, and their offer on an off-market listing was accepted within hours.

2. Don’t Let Online Estimates Confuse You

Websites can give a rough idea of value, but they don’t always capture what’s happening in specific neighborhoods like Canby, Oregon City, or Hubbard. A local agent (hi, that’s me 👋) can give you a realistic idea of what homes actually sell for, and which areas are still up-and-coming.

3. Understand the True Cost of Ownership

It’s not just your mortgage payment. You’ll also want to budget for property taxes, insurance, maintenance, and utilities. In some parts of Clackamas County, there may also be HOA fees or rural well/septic maintenance costs. Knowing this upfront helps you avoid surprises later.

4. Look Beyond the Pretty Photos

A home can photograph beautifully but hide costly issues underneath. When touring, pay attention to the roof, foundation, and windows...those are big-ticket items. And always get a home inspection. It’s one of the smartest investments you’ll make.

5. Choose a Guide Who Knows the Territory

Every local market has its own quirks, whether it’s well testing in Aurora, septic systems in rural Canby, or bidding strategies in Oregon City. Working with someone who knows the area and has helped other first-time buyers through the process makes all the difference.

Final Thoughts

Buying your first home doesn’t have to feel intimidating when you have the right plan and support. Start early, stay informed, and lean on professionals who want to see you succeed.

If you’re starting to think about buying in Canby or anywhere in the North Willamette Valley, I’d be happy to sit down and map out a plan with you (no pressure). Just good information and real answers! Book a time on my calendar here,