Buy with CityWorth

We make it easy to buy a home. Get matched with a CityWorth Realtor and find your perfect place to call home!

10 Steps to Buying a Home

Getting Started

First, determine whether you are ready or not to buy a home.

Get Pre-Approved

Provide financial documents to a licensed mortgage banker.

Find a Realtor

Find a Realtor you can trust and will negotiate on your behalf.

House Hunting

Tour homes that fit your budget, wants and needs.

Making an Offer

Work with your Realtor to submit a compelling offer.

Scheduling an Inspection

Discover any major or minor issues present in your home.

Getting an Appraisal

Determine the fair market value of your property.

Preparing to Close

Finalize the financial details of your mortgage transaction.

Moving In

Transfer utilities, change the locks, and make it yours.

Concluding Your Move

Take pride in your homeownership.

buy a home

No Money Down
No Closing Costs

Instead of waiting to save up for a down payment, you can buy a home now and start earning equity. Buy a home with no money down and no closing costs with CityWorth.

How It Works

Talk To Us

Talk with a CityWorth Realtor and discuss all your must-haves and nice-to-haves in your future home.

Get Pre-approved

See how much you are qualified to borrow by providing your information to a Mortgage Banker.

Tour Homes

Narrow down potential homes, tour them, and make an offer on the one you want to call home!


Once your offer is accepted, prepare for closing. We will do the heavy lifting to get your loan cleared to close.


Learn how to buy a home with our step-by-step guide!

Narrow down potential homes and schedule tours.

Get answers to the most commonly asked questions.

Discover tips and tricks to sell your home with confidence.

Smarter Search

Work with an agent who understands your wants and needs in a home. We won't stop until you say "that's the one".


Negotiation is our superpower! We get right to business and negotiate like mad to get you the best terms possible.

Home + Loan

Did we mention we have an in-house mortgage team? We have everything you need to buy a home from start to finish!

Buy Online

Spare the germs and inconvenience of in-person meetings. Most of our work is done online so you can buy with ease.

Frequently Asked Questions

While this decision is ultimately up to you, there are a few indicators that show you may be ready to buy. Some of the things you should have in preparation for a mortgage approval include a good credit score, steady employment history, proof of income, money for a down payment and closing costs, and a low debt-to-income ratio (DTI).

A down payment is the amount of money you put towards the sales price of a home. It reduces the amount of money you will have to borrow and it is typically expressed as a percentage of the price. Down payments vary based on the loan type, the mortgage lender, and your finances. With conventional loans, you can put as little as 3% down. Some loan programs, such as VA loans, don’t require a down payment.

Realtors are trained to help people buy and sell homes. They provide up-to-date information on current market conditions, home and neighborhood data, and real estate protocol. Additionally, they have access to thousands of available properties and are highly skilled in contract negotiation. They help coordinate every aspect of the transaction so you can have a smooth experience.

Your credit impacts your eligibility to be approved for a mortgage. While some lenders may work with lower credit scores, it is recommended to raise it as much as possible. A higher credit score will not only improve your eligibility but it also increases the amount you can borrow and qualifies you for a lower interest rate. 

Private mortgage insurance (PMI) is a type of insurance that protects the lender in case you default on your loan and your home goes into foreclosure. Most lenders will require you to take out PMI if your down payment is less than 20% of the home’s sales price. PMI is typically 0.5%-1% of the mortgage annually and is included in your monthly payment. Once you have paid off enough of your mortgage’s principal, PMI may be removed.

Your monthly mortgage payment is comprised of four main factors—principal, interest, taxes, and insurance (homeowner’s and PMI). Another factor that can contribute to your monthly payment is your HOA fee if you have one. These factors calculate how much your monthly mortgage payment will be. Be mindful of other monthly expenses that are not included in your monthly mortgage payment such as utilities and maintenance.

From Our Clients

"Best team of professionals I've ever worked with! I was a nervous wreck when I started the process of buying my first house. CityWorth Homes made it real easy by being there every step of the way... and that comes in handy for a foreigner like me. They made me feel like family which made this ride quite enjoyable! Thank you!"
Dasa Rosca
"I just purchased my new home with CityWorth and the process was extremely easy and streamlined. The whole team was wonderful, nice and professional. Just a very pleasant experience. Thank you Cityworth for making the process so easy."
Martha Thomas
"Very efficient and friendly folks. The whole team explained the details and the process was fast and painless. I highly recommend CityWorth to save you money!"
Alan Downes
"CityWorth literally bends over backwards working with you, listening to your needs, desires, comments/concerns/feedback, AND executing on them!!! -- quite literally at a 24 hour/7 days a week basis with the utmost attentiveness and treatment. A team that quite literally treats you like blood family to optimize every aspect of the home buying process."
Zack Capozzoli