FAQs
To help you make informed decisions, we've compiled answers to some of the most commonly asked questions.
How much do I need for a down payment on a home?
The amount you need for a down payment depends on the type of loan and your financial situation. While 20% is a common benchmark, many buyers put down less—some conventional loans allow as little as 3%, and FHA loans require just 3.5%.
What's included in my monthly mortgage payment?
What is a 2-1 buydown, and how does it work?
Who pays for the 2-1 buydown—the buyer, the seller, or the lender?
What are closing costs, and how much should I expect to pay?
How does my credit score affect my mortgage rate?
Selling your home
It comes down to what buyers are willing to pay today — not what homes sold for months ago. I look at recent comparable sales, what's currently competing with you, and how buyers are behaving right now to give you a realistic range.
Usually not. Pricing too high can hurt you — buyers may skip over your home entirely before you ever get a chance to negotiate. The goal is to price strategically so you attract strong interest early, which actually gives you more leverage.
It almost always comes down to price, condition, and presentation. When one of those is off, buyers hesitate. When all three are aligned, homes move fast. We'll make sure yours checks all three boxes.
Not everything needs to be fixed. We focus on what buyers will notice and what could cause issues at inspection. I'll help you prioritize so you're not spending money on things that won't move the needle.
There's no universally perfect time — only the right strategy for your situation. Waiting can help in some cases, but it can also mean more competition.
That depends on your loan payoff, closing costs, and any concessions — but I'll break it all down so you're not guessing.
We don't just leave it sitting. We'll reassess pricing, feedback, and strategy quickly and adjust until it works.
Buying a home
It depends on your loan type, but generally you're looking at your down payment plus closing costs.
Pre-qualification is an estimate. Pre-approval means a lender has reviewed your finances.
We'll look at your monthly comfort level so the payment feels manageable.
Rushing into a decision or focusing only on emotion instead of long-term fit.
With the right strategy and expectations, you can absolutely win.
Under contract
We move into inspections, negotiations, appraisal, and financing.
No — everything is negotiable.
We can renegotiate, challenge it, or adjust terms.
It depends on contingencies and timing.
Most closings take around 30 days.
GET MORE INFORMATION
