1. Where do I start if I want to buy a home?

Start by getting pre-approved for a mortgage. That tells you what you can afford and shows sellers you’re serious. From there, I’ll help you find homes that fit your needs and budget.

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

It depends on your loan type, some require as little as 3% down, and VA or USDA loans can require no down payment at all.

3. What’s the difference between pre-qualified and pre-approved?

Pre-qualified means a lender gave you an estimate of what you might be able to borrow. Pre-approved means they’ve reviewed your finances and are ready to lend up to a certain amount, it’s a stronger position when making offers.

4. How long does it take to buy a home?

Typically 30–60 days from the time your offer is accepted, depending on inspections, financing, and negotiations.

5. Should I get a home inspection?

Absolutely. A home inspection can uncover issues before you commit, helping you negotiate repairs or adjust the price.

6. What are closing costs?

They’re fees related to finalizing your loan and home purchase, things like title insurance, lender fees, and escrow. Expect around 2–5% of the home’s price.

7. Can I buy a home if I have bad credit?

Yes, it’s possible. There are loan programs designed for buyers with lower credit, and I can connect you with trusted lenders who can help.

8. What’s the first thing I should avoid when buying a home?

Don’t make big financial moves, like buying a car or opening new credit cards, during the home-buying process. It can affect your loan approval.