Find Your Perfect Home

Most conventional loans require 620 or higher. FHA loans may allow lower scores, but improving your credit can significantly reduce your interest rate and monthly payment.

Yes — always. This prevents disappointment and helps us focus only on homes that truly fit your budget.

Closing costs include lender, title, and attorney fees and typically range from 2%–5% of the purchase price. In some cases, we can negotiate seller credits to help offset these costs.

Due diligence is a non-refundable fee paid to the seller for taking the home off the market during the buyer's inspection and investigation period. It's negotiated with the offer, typically ranges from $1,000–$5,000+, and if you close, the fee is credited toward the purchase price.

Earnest money is a deposit (typically 1-2% of the purchase price) submitted with your offer. It's applied toward your closing costs or down payment at closing.

Perfect — you're exactly who we love to help. We'll guide you step-by-step and explore first-time buyer grants, down-payment assistance programs, and potential tax benefits.

If you plan to stay in one place 3+ years, buying often makes more financial sense — allowing you to build equity instead of paying rent.

Your lender determines affordability based on income, debt, credit, and savings. A general guideline is keeping total housing costs under 30–45% of your income, depending on your financial profile.

These vary by county, school district, and home value. Your lender will estimate these costs and include them in your monthly payment.

An appraisal confirms the home's market value for the lender. It protects both you and the bank from overpaying.

A licensed professional evaluates the home's condition — including the roof, HVAC, plumbing, and structure — so you understand the property before closing.

Yes. You'll learn how the home works, what needs attention, and how to maintain it moving forward.

Almost every home has something. We can negotiate repairs, request credits, or — if necessary — walk away if it's not the right fit.

We analyze market data, recent sales, and seller motivation. A strong offer balances price, financing strength, and favorable terms.

Your lender will provide an exact estimate based on price, interest rate, taxes, and insurance. Always request a Loan Estimate for full transparency.

Yes. VA, USDA, and select programs allow low or no down payment options.

PMI is required if your down payment is under 20%. It protects the lender and can typically be removed once you reach 20% equity.

Yes — most loan programs allow gift funds from family with a simple gift letter and proof of transfer.

New construction offers warranties and customization. Resale homes often feature established neighborhoods and mature landscaping. The best choice depends on your lifestyle and priorities.

Underwriting is the lender's final review to confirm all loan requirements are met before issuing approval.

No. Avoid new credit cards, car loans, or major purchases until after closing — they can jeopardize your approval.

We specialize in helping relocating buyers with virtual tours, remote closings, and e-signatures to make the process seamless.

Visit at different times of day, check commute times, explore amenities, and research schools. We'll also share insider local insights.

If the home fits your needs and budget, yes. You can refinance later — but you can't re-buy the same home at the same price.