So, you want to become a homeowner.

Your lender is the best person to answer this, since it depends on your income, debts, credit, and the loan program that fits you best. Knowing your number before we start lets us focus on homes that truly fit your budget, so it’s one of the first steps we’ll take together. If you don’t have a lender yet, I’m happy to recommend a few I trust.

Yes. A pre-approval tells us exactly how much you can spend, and it shows sellers you’re a serious, qualified buyer. In a competitive market, most sellers won’t consider an offer without one, so having it in hand means you’ll be ready to move quickly when you find the right home.

Probably less than you think. Some conventional loans allow as little as 3% down, FHA loans start at 3.5%, and VA and USDA loans offer zero-down options for those who qualify. Putting 20% down on a conventional loan lets you avoid private mortgage insurance (PMI), but that isn’t the right choice for everyone. There are also first-time buyer and down payment assistance programs that may help. We’ll look at your full picture, including your savings, your comfortable monthly payment, and how long you plan to stay, so the number you land on is the right one for you.

Your lender is the expert here, but I want you walking in informed.

Conventional

Often as little as 5% down (some programs allow less). PMI typically applies until you reach 20% equity.

FHA

Government-backed with as little as 3.5% down—helpful for buyers whose credit doesn’t yet fit a conventional loan.

USDA

A zero-down program for eligible rural areas, with income and location guidelines.

VA

For veterans and service members: a zero-down option with no private mortgage insurance.

Jumbo

For loan amounts above the conforming limit, which is updated every year. A strong option for higher-priced homes.

Closing costs are the fees and expenses due when your purchase is finalized. They typically include lender fees, the appraisal fee, escrow and settlement fees, recording fees, and prepaid items such as property taxes and homeowners’ insurance to set up your escrow account. Your lender will give you a Loan Estimate with a detailed breakdown, and in some cases we can negotiate for the seller to cover part of these costs.

Yes. A signed agreement is required before I can provide any real estate services, including showing homes. It outlines how we’ll work together, including buyer agent compensation and how I’m paid as your broker. We’ll review it together before you sign, and I’ll answer any questions you have.

Once your offer is accepted, closing typically takes 30 to 45 days with financing, and it can be as quick as one to two weeks for a cash purchase. The timeline depends on your loan, the appraisal, inspections, and the terms we negotiate with the seller.

Ask them all! Once we begin working together, we’ll schedule two calls right away. In the first, we’ll walk through the buying process and timeline, I’ll answer your questions, and I’ll share everything I want you to know before we start. The second call happens once you have your pre-approval, and it focuses on your numbers and what you need and want in a home. Beyond those calls, I’m always available, and I’ll keep you informed throughout your entire journey. Buying a home is a big investment, and I want you to feel confident, educated, and empowered every step of the way.