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Shopping before getting pre-approved. Touring homes without a pre-approval letter in hand means you risk falling for a house you can't actually afford, and sellers won't take your offer seriously without one in a competitive market."}],["$","p","1",{"children":"2. Waiving every contingency to compete. Waiving the inspection contingency entirely is riskier than most first-time buyers realize. A better middle ground is often a limited or 'inspection for information only' contingency that still gives you visibility into major issues without slowing down the offer."}],["$","p","2",{"children":"3. Underestimating closing costs. Beyond the down payment, budget for attorney fees, title insurance, transfer taxes, and lender fees — typically 2-3% of the purchase price in New Jersey."}],["$","p","3",{"children":"4. Focusing only on listing photos. Photos can make a home look larger or more updated than it is. 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