Question 1

How much money do I need to buy my first home?

Accepted Answer

It depends on your loan type, but most first-time buyers need between 3%–20% for a down payment, plus closing costs (typically 2-5% of the purchase price). The good news? There are down payment assistance programs, grants, and creative loan options like FHA loans (3.5% down) that many buyers don't know exist—and we help you explore every option available.

Question 2

What credit score do I need to buy a house?

Accepted Answer

While conventional loans typically require a 620+ credit score, FHA loans may accept scores as low as 580 with 3.5% down. Some programs accept even lower scores. We connect you with trusted lenders who can review your specific situation and help you understand your options.

Question 3

Should I get pre-approved before looking at homes?

Accepted Answer

Yes! Getting pre-approved is one of the most important first steps. It tells you exactly how much home you can afford, makes your offers more competitive, and shows sellers you're a serious buyer. We can connect you with trusted lenders to start this process.

Question 4

Do I really need a realtor to buy a home?

Accepted Answer

While it's possible to buy without an agent, having your own representation protects your interests, your money, and your future. The listing agent represents the seller, not you. We negotiate on your behalf, uncover risks, guide inspections, handle contracts, and make sure you don't leave money or protections on the table.

Question 5

How long does it take to buy a home?

Accepted Answer

Once you find a home and go under contract, closing typically takes 30-45 days. However, the home search itself varies—some buyers find their home in weeks, others take months. We help you move at a pace that's comfortable for you, with no pressure.

Question 6

What are closing costs and who pays them?

Accepted Answer

Closing costs include lender fees, title insurance, appraisal, inspections, and more—typically 2-5% of the purchase price. As a buyer, you're responsible for most closing costs, but we often negotiate for sellers to contribute. We'll walk you through every cost before you make an offer.

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