𝐉𝐮𝐥𝐢𝐚𝐧 𝐒𝐚𝐲𝐬: 𝐃𝐨𝐧’𝐭 𝐁𝐮𝐲 𝐢𝐧 𝐍𝐘𝐂 𝐖𝐢𝐭𝐡𝐨𝐮𝐭 𝐑𝐞𝐚𝐝𝐢𝐧𝐠 𝐓𝐡𝐢𝐬 𝐅𝐢𝐫𝐬𝐭

Buying your first apartment in New York City is a huge milestone — and having the right support can make all the difference.

Because while this process might be brand new to you, it’s not new to me. I’ve helped plenty of first-time buyers across NYC neighborhoods like the Upper East Side, Williamsburg, Harlem, and the Financial District. I know what works, what matters most, and how to guide you through with confidence — especially in this fast-paced, competitive market.

Here’s some essential advice if you’re looking to buy your first apartment in New York:

Tip #1: Get Pre-Approved Before You Scroll StreetEasy

It’s easy to get caught up browsing listings — but looking at apartments without knowing what you can actually afford? That’s a one-way ticket to disappointment.

Before you fall in love with a $1.2M co-op in Chelsea, talk to a lender and get pre-approved. This step gives you a clear understanding of your budget and makes you a serious buyer — which is critical in a market where good listings can go quickly. Once you’re pre-approved, I’ll help you target listings that actually fit your range and goals.

Tip #2: Know the Real Numbers — Not Just the Price Tag

You might be pre-approved for a certain amount, but that doesn’t mean you should spend every dollar of it. Monthly carrying costs (like maintenance fees, HOA charges, taxes, and insurance) can add up quickly in NYC.

Remember: An $800,000 apartment with a $2,000/month maintenance fee is a very different commitment than one with a $500 fee. Let’s review the full financial picture together before you make any decisions — including hidden costs many first-time buyers don’t know to ask about.

Tip #3: Your First Apartment Is Just the Beginning

There’s so much pressure to “buy the dream apartment” right away, just has to be 80% of your dream apartment, — but your first NYC apartment doesn’t have to be your forever place. It’s your entry point to building equity in one of the most resilient real estate markets in the world.

We’ll explore all your options — from a charming walk-up in Brooklyn to a studio pied-à-terre in Midtown — and find a smart first step that works for your lifestyle and your long-term goals.

Bottom Line

Buying your first apartment in New York City is a major move — but you don’t have to do it alone. Let’s talk about your budget, your must-haves, and the questions keeping you up at night. I’ll walk you through the process from day one to closing day.

Who You Work With Matters.
If you're thinking about buying your first apartment in NYC, reach out today — I'd love to help you get started.