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First Time Buyers

This tag will feature all of the related blog posts for first time buyers. Topics to be discussed include:

General information for home buyers

Investment property

Looking your your next home? Start your search here!

You can shop for loans at bankrate.com.

Searching for house plans? Find your house layout by browsing thousands of ready-to-build designs. These designs cover a variety of styles, home sizes, and can fit most budgets. Find blueprints for your next home at the following sites:

The House Designers

Southern Living House Plans

Builder House Plans

There are many more sites that you can visit as well. In fact, there are too many to mention here!

You can shop for loans at bankrate.com.

3 11, 2025

Understanding Real Estate Contract Contingencies in Oxford, Mississippi: What Buyers and Sellers Should Know

By |2025-11-03T09:08:22-06:00November 3rd, 2025|Home Buyers, News, Selling Your Home|0 Comments

Understanding Real Estate Contract Contingencies in Oxford, Mississippi Kiamie Real Estate agents help Oxford homebuyers understand key contract contingencies—like financing, inspection, and appraisal clauses—before closing on their Mississippi home. Buying or selling a home in Oxford, Mississippi can be one of the most rewarding milestones in life. Once an offer is accepted, both parties enter into a real estate contract — and one of the most important parts of that agreement is the contingencies. These clauses help protect buyers and sellers by outlining specific conditions that must be met before the sale can close. [...]

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20 10, 2025

Understanding Condo Ownership: What Oxford Homebuyers Should Know Before Buying

By |2025-10-20T09:59:17-05:00October 20th, 2025|Oxford MS Condos for Sale|0 Comments

Understanding Condo Ownership: A Complete Guide for Homebuyers Modern condominium living in Oxford, Mississippi—where comfort, convenience, and community come together. For many aspiring homeowners, especially first-time buyers, a condominium (or condo) represents the perfect balance between affordability, convenience, and community living. Whether you’re drawn to a modern downtown unit near restaurants and entertainment or a quiet development surrounded by nature, buying a condo in Mississippi offers unique advantages—and a few responsibilities you’ll want to understand before signing the dotted line. At Kiamie Real Estate, we help clients across Oxford, Lafayette County, and beyond navigate [...]

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9 10, 2025

2026 Oxford Housing Market Forecast | Kiamie Real Estate

By |2025-10-09T09:19:43-05:00October 9th, 2025|News|0 Comments

Forecasts suggest the U.S. housing market could rebound in 2026, with experts predicting nearly a 10% jump in home sales. Experts Predict Nearly 10% Jump in U.S. Home Sales for 2026 After several years of market slowdowns and affordability challenges, experts are predicting a potential rebound in home sales in 2026 — but opinions differ on just how strong the recovery will be. Projections from institutions like Fannie Mae show optimism about declining mortgage rates and increased buyer activity, while other analysts foresee slower growth and lingering affordability issues, especially in regional markets like [...]

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18 09, 2025

How Recent Rate Cuts & Mortgage Trends Are Benefiting Buyers in Oxford, MS

By |2025-09-18T09:20:36-05:00September 18th, 2025|Home Buyers|0 Comments

Lower mortgage rates are creating new opportunities for buyers exploring homes for sale in Oxford MS. How Recent Rate Cuts & Mortgage Trends Are Benefiting Buyers in Oxford, MS If you’re watching for homes for sale in Oxford MS, now might be one of the best times to buy. Two recent changes in the market are lining up in favor of homebuyers—lower interest rates and falling mortgage averages. Understanding both can help you make smarter moves. What’s changed?The Federal Reserve just made its first rate cut this year, lowering its benchmark interest rate. More [...]

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6 06, 2025

Protect yourself with title insurance

By |2025-06-06T11:15:14-05:00June 6th, 2025|Home Buyers|0 Comments

Warning signs of title fraud may have occurred if you have unexpected notices cease to receive bills. Title insurance protects you from fraudulent claims on your property. When buying a home, a full title search can be requested, but purchasing title insurance is a great additional step to make sure that the title is protected while you possess the property. Title fraud occurs when an individual transfers the title or deed of your property without your consent. The goal of the criminal is to misappropriate your funds by creating the illusion that another person [...]

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13 04, 2021

Real Estate in Oxford MS: Should I rent or buy

By |2021-04-14T09:03:15-05:00April 13th, 2021|Home Buyers|0 Comments

Trends for real estate in Oxford MS Building permits are not keep pace with the ever-expanding homebuyer demand for real estate in Oxford MS. Real estate in Oxford MS has seen a boom in housing developments. Meanwhile, the national market was recovering from the housing crash. This trend is largely correlated to the rising Ole Miss enrollment as well as the second home ownership. More housing inventory is needed.  For these reasons, the boom in apartment construction over the past few years has not caused rent increases to level off. Likewise, many young homebuyers [...]

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10 02, 2020

Millennials greatly value homeownership

By |2020-02-19T10:52:44-06:00February 10th, 2020|News|0 Comments

Most millennials value the purchase of a home over most other life decisions including marriage. Millennial home buyers are taking a long, careful approach to buying Millennial home buyers are a very calculating demographic. According to a Bank of America study conducted in 2018, most millennials value homeownership (72%) over over life events such as marriage (50%) or having children (44%). Therefore, they find themselves making very careful, well-planned home buying decisions. Needless to say, a home buyer should always take a methodical approach to purchasing regardless of age or financial position. Need advice for [...]

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29 11, 2018

Market Comparison Report for North Central Mississippi

By |2020-02-19T10:53:25-06:00November 29th, 2018|News|0 Comments

Home property values are on the rise while condo property values have slightly fallen. The following market comparison report is a property statistics analysis for Lafayette County. It covers the periods of January through August for 2017 and 2018. The residential market data covers all forms of residential real estate such as single-family homes, multi-family, and townhouses. Due to the number of condo/townhouse sales, statistics are likely skewed to this property type. Likewise, the residential market sales are requiring a trained professional to assess their true value. Beginning your property search? Are you thinking about buying [...]

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8 11, 2018

Prequalifying Worksheet for Prospective Buyers

By |2020-02-19T10:53:31-06:00November 8th, 2018|Lending|0 Comments

Prospective buyers knowing what they can borrow save time in their property searches. To become an educate buyer, customers and clients need to have a budget. To this end, the pre-qualifying worksheet is intended to be a guide to helping prospective buyers understand their affordable home price range. It can also provide your maximum borrowing limit. Getting pre-approved for a mortgage enables you to move quickly when you find the perfect place. As a result, the offer will not be contingent on obtaining financing and the seller will know that you are a ready, [...]

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5 07, 2018

Professionals do it better

By |2020-02-19T10:53:56-06:00July 5th, 2018|News|0 Comments

Would you perform your own surgeries or dental work? If your answer to the question is "no", then I have a follow-up question. Do you trust professionals with expertise in a specific topic? If your answer is "yes", then next time you are assessing real estate, I highly recommend hiring a REALTOR. Professional of all types cost money Professionals do not work for free. Have you ever visited your doctor and expected the trip to be pro bono? Of course not. REALTORS are no different. The principle advantage is exposure. Hiring a REALTOR allows your property [...]

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15 06, 2018

What to Expect When You’re Inspecting your new Oxford Condo

By |2020-02-19T10:54:09-06:00June 15th, 2018|Home Buyers, Homeowners, Investment|0 Comments

Inspecting Oxford MS Condo: helping buyers know what they are buying A home inspection is an assessment of the home's current condition. Inspecting Oxford MS condo is common even if the buyer is not financing. The home inspection identifies problems with houses and condos and give buyers knowledge of the pertinent issues. Home inspections in Oxford are seldomly, if ever waived. It is all part of the due diligence process for buyers. Buyers investing in a property want to know what are the physical conditions of the unit. If you are a seller, you may have [...]

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22 08, 2017

More Oxford housing inventory needed

By |2020-02-19T10:54:38-06:00August 22nd, 2017|Building, Investment|0 Comments

Shortage of University of Mississippi housing has lead to more off-campus real estate developments. Homes for sale in Oxford MS are driven by three primary factors. With regard to signs of local market strength, many builders are not able to satisfy the housing demand in Oxford. One of the best indicators for increasing growth is the number of new building permits. See this data indicating less units sold in 2017. You can read more about the Oxford housing market statistics in 2017. 3 factors will continue to increase demand for homes for sale in [...]

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16 08, 2017

The 5 worst mistakes that Oxford homebuyers make

By |2020-02-19T10:54:44-06:00August 16th, 2017|Home Buyers, Projects|0 Comments

Check out these real-life homebuyers mistakes to prevent falling into the same traps in Oxford MS real estate. 1. Spending too much money on a wedding or event Millennials are proven to spend large amounts of money on bachelorette and bachelor excursions that can rival the cost of many honeymoons. Many of these excursions are exceeding $1000 and costing you and your best friends at the opportunity of making a down payment to make your new married life better. 2. Buying too large of a home in the Oxford MS real estate market Many expecting parents [...]

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3 08, 2017

Mortgage rates fall in 2017

By |2018-07-05T09:51:51-05:00August 3rd, 2017|News|0 Comments

Alert residential real estate buyers in Oxford! More positive news for residential real estate buyers in Oxford! The National Association of Realtors Pending Home Sales Index, an indicator of housing demand, fell 0.8% in May for the third consecutive decline. Economists are speculating that interest rates are unlikely to rebound to pre-election highs of 4.3% amidst concerns of the new administration triggering more economic growth. Mortgage rate trends to 10-year T-bill Mortgage rates tend to follow the 10-year Treasury yields. For this reason, mortgage rates will increase if investors are expecting short-term interest rates to rise due [...]

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1 08, 2017

Buy a condo in Oxford from afar

By |2018-06-24T08:12:57-05:00August 1st, 2017|Home Buyers, Investment|0 Comments

Searching for a condo in Oxford has never been easier! Virtual tours and electronic signature paperwork has made viewing and offering a breeze. Searching for a condo in Oxford is not without its difficulties, but it's not impossible. Actually, modern technology has made much of the home buying process as close to physical engagement as possible. To find a condo in Oxford before someone else does, get an agent! You will need an agent to keep you posted on new listings that fit your purchasing profile as they come to market. While you can try [...]

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28 03, 2017

MS first-time home buyer savings account signed into law

By |2020-02-19T10:55:33-06:00March 28th, 2017|Lending|0 Comments

New Mississippi law provides a first-time home buyer account to provide aid to the purchase of a new property. Mississippi is helping lead the way to home ownership for first-time home buyer Gov. Phil Bryant on March 22 signed HB 1601 into law after unanimously passing the House and passing the Senate 51-1. The Mississippi law will establish a First-Time Home Buyer Savings Account. This new law will create savings accounts for down payments or other home purchase related expenses for Mississippians. Mississippi is now one of only four states to have a First-Time Home Buyer [...]

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23 03, 2017

5 Predictions for Renters and Home Buyers around Oxford

By |2018-06-24T18:00:05-05:00March 23rd, 2017|News|0 Comments

Oxford MS housing market predictions Without a doubt, 2017 is showing the real estate market in Oxford is very strong. If the property is priced right, I've seen homes sold in less than 1 day. For some time, there has been a short supply of housing inventory and the response has been to build more. For renters, they have seen prices steadily rise as well. Some national trends such as interest rates will affect the Oxford market though their impact is uncertain. Here is Kiamie Real Estate's Oxford MS housing market predictions for 2017: Rents will [...]

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21 03, 2017

Mississippi First-Time Home Buyer Savings Account

By |2020-02-19T10:55:55-06:00March 21st, 2017|News|0 Comments

Some first-time home buyers may have additional financing options if HB 1601 passes. First-time home buyers rejoice! Good news for first-time home buyers looking for homes in Oxford and throughout Mississippi! The Senate Finance Committee has passed HB 1601. The Mississippi legislature proposes to create first-time home buyer savings accounts for Mississippians. The First-Time Home Buyer Savings Accounts can be used for saving funds for the purchase of homes by first-time home buyers. Consequently, the first-time home buyer can only access the funds in the account for the down payment and closing costs for [...]

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2 02, 2017

Real estate investors are expected to increase portfolio

By |2020-02-19T10:56:10-06:00February 2nd, 2017|Investment, Property Value|0 Comments

A safe bet is real estate investments for the near future. Real estate investments expect to increase for U.S. investors Investors in 2017 and beyond are expected to increase their investments in U.S. markets according to KPMG's 2017 Real Estate Industry Outlook Survey. Real estate fundamentals are regarded as the primary driver of investor interest as well as a growing U.S. economy. Couple this real estate executive optimism with the new U.S. administration's intention to lower taxes and deregulate businesses, there may be a push for increases in new construction and existing home sales [...]

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8 01, 2017

Oxford Real Estate Showings in the Near Future

By |2020-02-19T10:56:16-06:00January 8th, 2017|Selling Your Home|0 Comments

Virtual reality could offer some homebuyers a convenient way to view their Oxford real estate showings. How are Oxford real estate showings changing? Many home buyers who seek a second residence in Oxford, MS have a primary residence elsewhere. Buying a property from afar is tricky. There is always a question of cost and efficiency while planning the decision to view properties. Clearing a chunk of time to account for travel to Oxford and between prospective homes. Traffic can be insane for gameday weekends. Plus, every trip to view properties only adds your the [...]

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