FAQ
Am I Ready to Be a Homeowner?
Becoming a homeowner is a big step. If you have stable income, a good credit history, and are prepared for long-term commitment, you may be ready to take the leap.
Is Renting or Buying Better?
It depends on your lifestyle and financial goals. Renting offers flexibility, while buying builds equity over time. We can help you weigh the pros and cons based on your needs.
What Is the Lender’s Formula?
Lenders typically use the 28/36 rule—your mortgage shouldn’t exceed 28% of your monthly income, and total debt payments shouldn’t go over 36%.
What Do I Look for in Homes?
Consider your budget, location, size, condition, and potential for resale. Focus on what aligns with your lifestyle now and in the future.
Do I Need a Home Warranty?
A home warranty can protect you from unexpected repair costs after purchase, especially for older homes. It’s optional but can offer peace of mind.
What Should I Expect at Closing?
Closing is the final step where ownership is transferred. Expect to sign documents, pay final costs, and receive your keys. We’ll guide you through the entire process.
What Is Pre-approval?
Pre-approval is when a lender evaluates your financial background and commits to lending you a specific amount. It strengthens your offer and shows you’re serious.
Am I Ready to Rent?
If you’re seeking flexibility and are not ready for a long-term investment, renting may be your best option. Just be sure you can handle monthly rent and utility costs.
What Should I Offer?
Your offer should reflect the home’s value, condition, and market trends. We’ll help you make a competitive yet fair offer based on expert insights.
Can I Ask You for Advice?
Absolutely! We’re here to help guide you—whether you’re buying, selling, or just exploring your options.