1. How much house can I afford?
This depends on your income, debt, credit, and down payment. A lender can help determine your buying power.
2. What’s the first step in the home buying process?
Getting pre-approved for a mortgage so you know your budget and can make strong offers.
3. How much do I need for a down payment?
It varies — some loans allow as little as 0–3% down, while others recommend 20% to avoid mortgage insurance.
4. What credit score is needed to buy a home?
Generally, 620+ for most conventional loans, but FHA, VA, and other programs may allow lower scores.
5. Should I get pre-approved before looking at houses?
Yes — it shows sellers you’re serious and ready to move forward.
6. How long does it take to buy a home?
From pre-approval to closing, the average timeline is about 30–60 days.
7. What are closing costs and how much should I expect to pay?
These include lender, title, and escrow fees, usually 2–5% of the purchase price.
8. Is it better to buy a new build or an existing home?
New homes often have warranties and modern features, while existing homes may offer more character and established neighborhoods.
9. What should I look for during a home tour?
Focus on condition, layout, major systems (roof, HVAC, plumbing), and neighborhood fit.
10. Do I really need a real estate agent when buying a home?
Yes — a buyer’s agent represents your best interests, negotiates for you, and helps avoid costly mistakes.

📌 Pro Tip: Working with an experienced agent ensures you always know what’s coming next and have someone on your side every step of the way.

1. What happens after my offer is accepted?
You’ll schedule inspections, finalize your loan, order an appraisal, and move toward closing.
2. How much should I offer if the home is priced competitively?
Your agent will run a comparative market analysis to help you make a strong but fair offer.
3. What is earnest money and do I get it back?
It’s a deposit (typically 1–2% of purchase price) showing you’re serious. It’s applied to closing costs or returned if contingencies aren’t met.
4. What is a home inspection and do I really need one?
Yes — it reveals issues with the home so you can negotiate repairs or reconsider.
5. What happens if the inspection finds problems?
You can request repairs, ask for a price reduction, or walk away if your contract allows.
6. What’s the difference between an appraisal and an inspection?
An appraisal determines the home’s value for the lender. An inspection checks the condition for your protection.
7. What are contingencies and how do they protect me?
They are conditions (like financing, appraisal, or inspection) that must be met for the sale to close.
8. How long does closing usually take?
Most closings happen within 30–45 days of an accepted offer.
9. What documents will I need to bring to closing?
Typically a photo ID, proof of funds for closing costs, and any lender-required paperwork.
10. What happens if something goes wrong before closing?
If financing, appraisal, or repairs become an issue, your agent will help negotiate solutions or enforce your contingencies.

📌 Pro Tip: Working with an experienced agent ensures you are always in compliance with your contractual obligations and makes sure you are legally compliant with your contract.