Top 5 Mistakes First-Time Home Buyers Make in Tacoma

Buying your first home in Tacoma should be exciting. It’s a major step toward freedom, stability, and building wealth — but for many first-time buyers, it can feel confusing and stressful.

As someone who’s guided hundreds of families through this process, I’ve seen what causes the most stress (and how to avoid it). The good news? Every mistake on this list is completely preventable — if you know what to look for.

Here are the top 5 mistakes first-time buyers make — and how to make smarter moves instead.

1️⃣ Waiting for the “Perfect” Time

One of the biggest mistakes is waiting for “the market to cool down.” The truth is, there’s never a perfect time. Prices and interest rates rise and fall — but your needs, your family, and your goals are what really matter.

In Tacoma’s market, buyers who take action when they’re ready (not when headlines say so) usually end up ahead. I’ve seen clients wait a year for prices to drop — only to see interest rates rise and cancel out any savings.

Before you wait, run the numbers. A quick preapproval can show what’s realistic right now. Visit my Buying Homes Guide for a clear, step-by-step process that helps you move confidently when you’re ready.

2️⃣ Shopping Without Preapproval

It’s easy to get caught up scrolling listings on Zillow or touring open houses before knowing what you can afford. But that’s a fast track to frustration.

Preapproval is more than a formality — it’s your foundation. It tells sellers you’re serious, helps you move quickly, and prevents heartbreak from falling in love with a home outside your range.

If you’re feeling unsure about lenders or credit prep, I’ve built a guide here: How to Buy a Home in Puyallup Without the Stress. It walks through how to prepare financially before you even start searching.

3️⃣ Ignoring Hidden Costs

When you buy your first home, the down payment isn’t the only cost. There’s also earnest money, inspection fees, appraisals, closing costs, and moving expenses. Most buyers underestimate these by thousands of dollars.

Budgeting wisely up front makes your purchase smoother — and less stressful. You can get a full breakdown in The Hidden Costs of Buying a Home (and How to Budget Smart).

A little planning goes a long way toward peace of mind.

4️⃣ Skipping the Neighborhood Research

A great home in the wrong location is still the wrong home. Before you commit, spend time exploring Tacoma’s neighborhoods — because each one offers a different vibe.

• North End: Historic homes, walkable streets, water views

• South Tacoma: Affordable, great commuter access

• Proctor & Stadium Districts: Restaurants, charm, and top-rated schools

If you’re moving from out of town, don’t guess — use my Relocation Buyers Page for a full neighborhood breakdown, commute details, and what locals love most.

5️⃣ Going It Alone

Many first-time buyers try to figure it all out themselves — reading articles, calling listing agents, or jumping between lenders. The problem? Everyone’s advice is different, and no one’s looking at your full picture.

That’s where having a trusted local guide makes all the difference. I don’t just open doors; I help you make decisions that protect your budget and your future.

If you’re thinking about your first purchase — or even just want to run your plan by someone honest — let’s talk.

📞 Call or text Josh Barnard at 253-677-5765
🌐 Visit BarnardGroupRE.com