Buying your first home is one of the most exciting milestones you’ll ever experience. It’s more than signing papers and picking up keys—it’s about building the foundation for your next chapter in life. Whether you’re putting down roots for the first time, relocating for a new career, or moving closer to Fort Bragg, Ascot Homes is here to help make the process simple and enjoyable.
But where do you start? The journey can feel overwhelming, especially if you’ve never gone through it before. That’s why we created this step-by-step guide for first-time buyers looking in Moore, Hoke, and Harnett Counties.
Step 1: Understand Your Financing Options
Before you fall in love with a floor plan, it’s important to know what you can comfortably afford. Meeting with one of Ascot's
preferred lenders early on will help you:
- Learn what loan programs you qualify for (FHA, VA, USDA, Conventional).
- Understand down payment options—many first-time buyers are surprised to learn you don’t always need 20%.
- Estimate your monthly payment, including taxes and insurance.
- Get pre-approved, which strengthens your buying power when you’re ready to move forward.
Pro Tip: If you’re military-affiliated, VA loans are an incredible option with no down payment required. Living near Fort Bragg means many local lenders are experienced in helping service members and their families take advantage of these benefits.
Step 2: Define Your Must-Haves vs. Nice-to-Haves
It’s easy to get caught up in Pinterest boards and dream homes, but focusing on your priorities will help narrow the search. Start by making a list:
- Must-haves: Number of bedrooms, commute time, price range.
- Nice-to-haves: Bonus rooms, outdoor living spaces, upgraded finishes.
By knowing your non-negotiables, you’ll make confident decisions when choosing a home that fits your lifestyle and budget.
Step 3: Choose the Right Location
One of the biggest decisions is where to buy. Ascot Homes builds in some of the most desirable and convenient locations around:
- Southern Pines: Vibrant downtown living, restaurants, shopping, and close to Pinehurst golf.
- Carthage & Vass: Charming small-town feel with quick access to major highways.
- Raeford (Hoke County): Affordable new construction close to Fort Bragg, ideal for military families.
- Lillington (Harnett County): Convenient to the Raleigh area and Fayetteville, with a balance of small-town charm and access to city amenities.
Each location offers something unique, so think about your daily routine such as your preferred commute, schools, lifestyle activities. From there, you'll be able to
choose the community that best fits your needs.
Step 4: Explore Floor Plans That Fit Your Life
One of the most exciting parts of buying new construction is the ability to
choose a floor plan that works for your lifestyle. Do you need a dedicated home office? A primary suite on the main level? A spacious open kitchen for entertaining?
At Ascot Homes, our thoughtfully designed floor plans range from cozy starter homes to larger layouts perfect for growing families. Every plan is designed with trending finishes and functional spaces that stand the test of time.
Step 5: Consider Quick Move-In Homes vs. Building From Scratch
As a first-time buyer, you may not realize you have two options:
- Build From the Ground Up: Choose your floor plan, personalize your finishes, and watch your home come to life. This option takes more time but offers a more personalized experience.
- Quick Move-In Homes: Already under construction or completed, these homes let you move in as soon as 30–60 days. Perfect if you’re on a timeline, like relocating for work, PCS orders to Fort Bragg, or wanting to settle before the holidays.
Both options are designed to fit different lifestyles, timelines, and needs.
Step 6: Partner With a Trusted Builder
Who you choose to build your home is just as important as the home itself. With Ascot Homes, you’ll experience the Ascot Difference! Meticulous craftsmanship, superior standards, and a home designed for the life you’ve been dreaming of.
We guide you through every step:
- Helping you select the right floor plan.
- Navigating design selections.
- Keeping you updated throughout the build.
- Providing a smooth handoff at closing so you can step confidently into homeownership.
Step 7: Prepare for Closing Day
Once you’ve chosen your home and secured financing, closing day will be here before you know it. This is when you’ll sign the final paperwork and officially become a homeowner. Be sure to budget for closing costs, which can include lender fees, appraisal fees, title fees, prepays, and taxes. Your lender, agent (if you are working with one) and sales consultant will walk you through the details so there are no surprises.
Why Ascot Homes is Perfect for First-Time Buyers
At the end of the day, your first home isn’t just about square footage, it’s about creating a place where memories are made and new chapters begin. With communities across Moore, Hoke, and Harnett Counties, Ascot Homes gives first-time buyers the chance to settle in the Sandhills with confidence and ease.
Ready to Buy Your First Home?
At Ascot Homes, we believe homebuying shouldn’t feel overwhelming, it should feel exciting. Whether you’re looking for a move-in-ready home or want to personalize a new build, our team is here to help you every step of the way.
Your first home is waiting. Let’s build your future together.
