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When most people think about buying a home, their minds go straight to two numbers: the down payment and the monthly mortgage payment. Those are big pieces of the puzzle, sure—but they’re not the whole picture. The truth is, there are several “hidden” costs that come along with homeownership. If you don’t plan for them, they can sneak up and add stress to what should be an exciting milestone.

Buying your first home is exciting—it’s the start of a new chapter, new memories, and probably the biggest purchase you’ve ever made. But with all that excitement, it’s easy to rush or overlook key details that can cost you money, time, and peace of mind.

A lot of veterans go straight to the big-name banks, thinking that’s the safest or easiest path. The truth? Those institutions often try to fit everyone into the same box, offering cookie-cutter solutions that don’t always serve your best interest. That's where a mortgage broker comes in.