What Solo Buyers Should Know

Buying a home on your own gives you that same kind of rush that you felt when you won the 6th grade MVP soccer trophy and got your first puppy in the same week (amazing, honestly). Butttt, it comes with some challenges, too.

Unlike spouses or partners who often have two incomes and someone to share the mental load, single buyers carry the full weight of the process. From saving for a down payment to getting approved for a mortgage, everything falls on your shoulders. You may qualify for a smaller loan, face more pressure about budget and location, and feel the lack of a sounding board when big decisions come up.

But here’s the good news: there are also serious upsides to buying solo.

For starters, you have complete control. You get to decide the location, the style of the home, and how much you’re comfortable spending—without compromise. If you’re a quick decision-maker, the process can move much faster without having to factor in someone else’s schedule or preferences.

Many single buyers also find pride and confidence in making such a big investment on their own. It’s empowering to know that your hard work and planning got you to this point. And once you’re settled, the home becomes a place of independence, peace, and personal expression.

So yes, buying a home solo can feel daunting—but it can also be one of the most rewarding things you ever do. You don’t need a partner to build a future—you just need a plan.

If you have any questions about the buying (or refinancing) process, our team is here to help with a zero-pressure-policy. It’d be our pleasure to share everything we know and give you the best advice we possibly can. We’re United Faith Mortgage – and we like to say that we have a Direct Lender Advantage. Our company gets to use its own money and make its own decisions within its own walls. There’s no middle man. For you, this often means shorter turnarounds and a better rate… which can mean paying significantly less each month… whether you’re refinancing or buying a new home.

Just give us a call or fill out a form to get started. We look forward to meeting you.