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Home Buyer FAQ

1. How do I get pre-approved for a mortgage?

You can get pre-approved by submitting financial documents to a lender. We can connect you with trusted lenders who will guide you through the process quickly and easily.

2. How much do I need for a down payment?

Down payments typically range from 3% to 20%, depending on the loan type and your credit. We'll help you explore loan options that work with your budget.

3. What are closing costs and who pays them?

Closing costs include lender fees, title insurance, and escrow fees—usually 2% to 5% of the home price. In some cases, sellers may help cover them through negotiation.

4. How long does the home buying process take?

Once you're under contract, the process typically takes 30–45 days. We work to ensure a smooth and timely closing from start to finish.

5. Do I need a real estate agent to buy a home?

It’s not required, but highly recommended. As your buyer’s agent, we represent your interests, handle negotiations, and guide you through inspections, paperwork, and deadlines.

6. How do I know how much to offer on a home?

We provide a comparative market analysis (CMA) and advise you on a competitive yet fair offer based on recent sales, market trends, and seller motivation.

7. What happens during a home inspection?

A licensed inspector evaluates the property’s condition. If issues arise, we’ll help you negotiate repairs or credits before moving forward.

8. What is escrow?

Escrow is a neutral third-party process that holds funds and documents until all conditions are met. It protects both buyer and seller during the transaction.

9. Can I buy a home and sell my current one at the same time?

Yes. With proper planning and strategic timing, we can coordinate both transactions. Bridge loans and lease-back options may help ease the transition.

10. What sets your agency apart from others?

We combine local market expertise with personalized support, strong negotiation skills, and transparent communication—making your buying journey successful and as stress-free as possible.