First-Time Homebuyers
Serving Portland, Beaverton, Hillsboro, Lake Oswego, and the full Portland metro. Call Kara at 503-544-5722.
What You Need to Know
Your first home is one of the biggest decisions of your life, and Kara takes that seriously. She is known for her patience, her plain-English explanations, and her willingness to walk you through every form, every step, and every moment of uncertainty.
Why Choose Kara for First-Time Homebuyers
With 11 years of experience and 68+ closed transactions across the Portland metro, Kara Girod has built her reputation by showing up for every type of client and situation. Her certification in this specialty is not just a credential on a wall: it represents hands-on experience navigating the nuances that matter most to you.
Kara is backed by MORE Realty and holds a 5.0-star rating on Zillow with 16 client reviews. She works across Washington, Multnomah, and Clackamas Counties in Oregon, and Clark County in Washington.
Frequently Asked Questions
What programs are available for first-time buyers in Oregon?
Oregon offers several first-time buyer programs including Oregon Bond loans with below-market interest rates, down payment assistance through Oregon Housing and Community Services, and USDA loans for rural properties. Kara can connect you with lenders who specialize in first-time buyer programs.
How much do I need for a down payment to buy in Portland?
Down payment requirements range from 0% (VA and USDA loans) to 3% (conventional, FHA) to 20% (conventional without PMI). In Portland's market, many buyers use 5-10% down with the help of down payment assistance programs. Kara can help you understand what is realistic for your situation.
How long does it typically take to buy a home in Portland?
The process from getting pre-approved to closing typically takes 45-90 days. In competitive markets you may need to write multiple offers before one is accepted. Kara guides first-time buyers through every step and is known for her patience and thoroughness in explaining the process.
Ready to Get Started?
Let's Find Your Next Home
Whether you are buying, selling, or just exploring, Kara is ready to put her 11 years of Portland market expertise to work for you.