FAQ

Frequently Asked Questions

Am I Ready to Be a Homeowner?

If you’re asking, you’re already on the right path. You’re likely ready if you have steady income, manageable debt, some savings, and a sense of where you’d like to live. Even if you’re unsure, that’s okay — connecting with a real estate expert can help you explore your options and feel more confident about your next step. You don’t have to do it all at once, and you don’t have to do it alone.

Is Renting or Buying Better?

It depends on your lifestyle, finances, and long-term goals. Renting offers flexibility, while buying builds equity and stability. We’ll help you weigh the pros and cons so you can make the choice that’s right for you.

What Is the Lender's Formula?

The lender’s formula helps determine how much you can borrow based on your income, debt, credit score, and down payment. It’s used to calculate your debt-to-income ratio and helps lenders assess whether you can comfortably afford a loan. Understanding this formula can give you a better idea of what you can expect when applying for a mortgage.

What Do I Look for in Homes?

Think beyond the listing. Look for a home that fits your lifestyle — layout, location, and long-term needs matter just as much as square footage. Consider things like natural light, storage space, neighborhood vibe, and future resale value. We’ll help you focus on what truly matters to you.

Do I Need a Home Warranty?

A home warranty can provide peace of mind by covering repairs for major systems and appliances. While not required, it can be a smart choice if you’re concerned about unexpected costs after purchasing. We can help you weigh the benefits based on the home you’re considering.

What Should I Expect at Closing?

Closing is the final step in buying your home. You’ll review and sign paperwork, pay any remaining costs, and get the keys to your new place. It’s a big day — and we’ll be right there with you to make it smooth and stress-free.

What Is Pre-approval?

A pre-approval is a letter from a lender that shows how much you’re qualified to borrow. It gives you a clear budget, shows sellers you’re serious, and is one of the smartest first steps in the homebuying journey.

What Should I Offer?

Your offer should reflect the home’s value, market conditions, and your budget. We’ll look at comparable sales, the property’s condition, and seller motivation to help you make a strong, competitive offer — without overpaying.

Can I Ask You for Advice?

Yes — anytime! Whether you’re just starting out or deep in the search, we’re here to answer questions, offer guidance, and be a resource you can trust. No pressure, no sales pitch — just honest advice to help you make confident decisions.

Let's Find You Together The Place You Deserve

Take the First Step Toward Your Dream Home
We’ll guide you every step of the way — from exploring homes to making the perfect offer.