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In addition to the down payment, buyers typically incur costs such as closing costs (including lender fees, appraisal, title insurance), home inspection fees, property taxes, homeowner's insurance, and potentially HOA fees.

Your affordability depends on factors such as your income, savings, credit score, and existing debt. A general guideline is to aim for a mortgage payment that doesn't exceed 28% of your gross monthly income.

Pre-qualification is an informal estimate of how much you may be able to borrow based on basic financial information. Pre-approval involves a comprehensive assessment of your financial situation by a lender, providing a conditional commitment for a specific loan amount.

The timeline for buying a home can vary, but on average, it takes 30 to 45 days from contract to closing. Factors such as mortgage approval, property inspections, and negotiation can influence the timeline.

While it's not mandatory to work with a real estate agent when buying a home, having one can provide valuable expertise, guidance, and negotiation skills throughout the process. Additionally, the seller typically pays the agent's commission.

Factors to consider include proximity to work, schools, amenities, safety, property values, future development plans, and your lifestyle preferences.

Earnest money is a deposit made by the buyer to demonstrate their commitment to purchasing the home. The amount varies but is typically 1-3% of the home's purchase price. It's held in escrow and applied towards the down payment or closing costs at closing.

Common types of mortgages include fixed-rate mortgages (with a consistent interest rate throughout the loan term), adjustable-rate mortgages (with interest rates that may fluctuate), FHA loans (backed by the Federal Housing Administration), VA loans (for eligible veterans and active-duty military personnel), and USDA loans (for rural properties).

During closing, all necessary paperwork is signed, funds are transferred, and ownership of the property is transferred from the seller to the buyer. Closing costs are paid, and the title is officially recorded.

Closing costs are fees associated with finalizing the real estate transaction and typically range from 2% to 5% of the home's purchase price. They include fees for services such as appraisal, title search, title insurance, attorney fees, and recording fees.

Yes, we offer virtual tours of properties for clients who are unable to visit in person. Contact us for more information and to schedule a virtual tour.