Buying a Home FAQ

How do I start the home buying process?

The first step is determining your budget and getting pre-approved by a lender. From there, we will help you identify the right properties, schedule showings, negotiate offers, and guide you through closing.

 

Do I need to be pre-approved before viewing homes?

Not always, but it’s strongly recommended. Pre-approval helps you understand your price range and strengthens your offer when you find the right property.

 

How much money do I need to buy a home?

It depends on the loan type, down payment, closing costs, and credit profile. Some buyers qualify for low down payment programs or assistance options.

 

What credit score do I need to buy a house?

Most lenders prefer a score of at least 620, but some loan programs allow lower scores depending on income and debt levels.

 

How long does the home buying process take?

From contract to closing, most transactions take about 30–45 days, though timelines can vary.

 

What are closing costs?

Closing costs are fees associated with the purchase of a home, including lender fees, title fees, taxes, and insurance.