Frequently asked questions

It depends on the loan. Conventional financing usually starts around 5%, FHA around 3.5%, and some first-time buyer programs go lower. We will walk through what each option costs you monthly before you decide.

Thirty to forty-five days is typical with financing, and about two weeks with cash. The appraisal and the lender's underwriting set the pace more than anything else.

Yes. It tells you what you can actually spend, and in a competitive market a seller will not take an offer seriously without it.

From recent comparable sales on and around your street, adjusted for size, condition and what is currently on the market. You see the same comparables we do.

Commission, title and closing fees, and any repairs you agree to after inspection. We give you a net sheet up front so the number at the end is the number you expected.