Becoming a First Time Homebuyer

Everything first-time homebuyers need to know, consider, and understand.

Whether you are still in the dreaming phase or ready to close on your first home, North Country Savings Bank has tons of great advice and information about what to expect when you become a first-time homebuyer.

First time homebuyers receiving keys to new house

Imagine a world in which you're your own landlord. You can paint the walls any color you want, hang pictures with actual nails, have a spare bedroom for guests, and a big deck perfect for backyard barbeques. That's what you have to look forward to when you own your own house.

Mortgage Your First Fixer Upper

You've spent years watching HGTV home renovation shows, scrolling through DIY projects on Pinterest, and drooling over Insta-perfect houses. Now it's time to stop dreaming and start tackling your own fixer-upper! But where do you begin?

couple in new home

Buying your first home is a very exciting time! Crunching the numbers to figure out what you can afford is taxing though.

home equity image

First off, what is home equity? Home equity is the difference between your home's value and the amount you still owe. Homes, unlike cars or boats, naturally gain equity over time, especially if you, the homeowner, do any sort of work on it to increase the value.

The market fluctuates, interest rates may increase, and new tax reform means everyone is waiting to see what happens at tax time. 

money loans weighing down a graduate

Millennials are dealing with significant student debt – the average class of 2016 graduate has over $37,000 in student loans. Paying off student debt has put home buying on the back-burner for many recent grads, and in some cases has hindered their ability to be approved for a mortgage.

first time homebuyer receiving keys to their new home

Congratulations, you've decided to buy your first home! It's a huge step and arguably the biggest financial decision you'll ever make.


Buying a new home is a big financial commitment. With so many lenders, different interest rates, and fee structures, it can be difficult to know which lender is offering the best price.

Spring has finally arrived – and as the weather starts to heat up, so does the homebuying market. Before things get too hot to handle, spring marks the perfect time to start preparing to buy a home if you're looking to make a purchase during the hectic summer season.

Buying your first home can be intimidating. But no matter where you are in the process – even if it’s just a thought in the back of your mind at this point – there are ways you can prepare for the purchase.