First-Time Buyer? Here’s The Pierce Group’s Omaha Checklist

Nov 26

What should first-time homebuyers know when buying a home in Omaha, Nebraska?

Buying your first home is exciting, but it can also feel overwhelming. From budgeting to closing, there’s a lot to learn and plan for. That’s why The Pierce Group created this practical first-time buyer checklist tailored for Omaha’s market in 2025. Whether you’re just starting your search or ready to make an offer, this guide will help you move forward with clarity and confidence.

1. Know Your Budget and Get Pre-Approved

Before looking at listings, it’s essential to know what you can comfortably afford. Review your monthly income, expenses, and available savings for your down payment and closing costs.

Next, meet with a local lender to get pre-approved, not just pre-qualified. This tells sellers you’re serious and gives you a competitive edge in Omaha’s active neighborhoods like Elkhorn, Millard, and Papillion.

The Pierce Group can connect you with trusted Omaha lenders who specialize in first-time buyer programs, low down payment options, and personalized loan guidance.

2. Research Omaha Neighborhoods

Each Omaha neighborhood has its own lifestyle, amenities, and price point. Take time to explore different areas to see what fits your needs best.

Benson & Dundee: Historic charm and walkable communities.
West Omaha & Elkhorn: Newer homes, top-rated schools, and family-friendly vibes.
Papillion & La Vista: Great for those seeking suburban comfort and community parks.
Downtown & Midtown Crossing: Ideal for professionals who want city life close to restaurants and nightlife.

The Pierce Group helps first-time buyers identify which area matches their budget, commute, and long-term goals.

3. Make a List of Must-Haves (and Nice-to-Haves)

It’s easy to get swept up in home shopping excitement, so clarity is key. Before touring homes, decide what matters most to you:

Number of bedrooms or bathrooms
Proximity to work, schools, or family
Type of home (single-family, townhouse, condo)
Yard size, garage, or other lifestyle features

The Pierce Group uses your wish list to narrow the search efficiently, saving you time while ensuring every property you view aligns with your goals.

4. Don’t Skip the Home Inspection

Even newer homes can have hidden issues. A professional home inspection provides peace of mind and protects your investment.

In Omaha’s climate, inspectors pay special attention to:

Roof condition (after heavy snow seasons)
Foundation stability
HVAC system age and maintenance
Insulation and window sealing

The Pierce Group recommends reputable Omaha inspectors who are thorough, honest, and experienced in local home conditions.

5. Understand Closing Costs and Next Steps

Once your offer is accepted, there are still a few important steps before you get your keys. Expect to budget around 2–5% of the purchase price for closing costs, which may include:

Loan origination fees
Title insurance
Escrow and attorney fees
Prepaid taxes or insurance

The Pierce Group will guide you through every stage, from appraisal and underwriting to the final walkthrough, so you never feel lost in the process.

6. Enjoy the Journey

Buying your first home is a big milestone, and Omaha is a wonderful place to start. With its friendly communities, strong job market, and affordable prices, you’re investing not just in a property—but in a lifestyle.

Ready to start your homeownership journey? Contact The Pierce Group for a step-by-step first-time buyer consultation and discover how easy and exciting buying in Omaha can be.

Disclaimer

This content is for informational purposes only and should not be considered legal, financial, or tax advice. Always consult licensed professionals for personalized guidance.

Buying your first home in Omaha? Follow The Pierce Group’s first-time buyer checklist to make the process simple, smart, and stress-free.