Start with a strategy call and a lender pre-approval so you know your true buying power.

Timing varies, but most purchases follow a clear timeline: pre-approval → search → offer → inspections → closing. From offer acceptance to closing, most purchases take 30–45 days. The timeline can vary depending on financing, inspections, and market conditions.

In many cases you’ll be asked to sign a written buyer agreement before touring homes with an agent, outlining services and compensation. 

Down payments can range from as little as 3% for some loan programs to 20% or more for conventional loans. The right amount depends on your loan type, credit, and financial goals.

Pre-qualification is an estimate based on basic financial information.
Pre-approval is a stronger step where a lender verifies your income, credit, and assets—making your offer much more competitive.

Higher credit scores typically qualify for lower interest rates, which can save you thousands over the life of your loan. Lower scores may still qualify but often come with higher rates or additional requirements.

Closing costs include lender fees, title insurance, taxes, and escrow items. Buyers typically pay 2%–4% of the purchase price, though this can vary and may be offset by seller credits.

Yes. Self-employed buyers can qualify, but lenders usually require additional documentation, such as tax returns and profit-and-loss statements, to verify income stability.

Most monthly payments include principal, interest, property taxes, and homeowners insurance (often referred to as PITI). HOA fees and mortgage insurance may also apply.

A 2-1 buydown temporarily lowers your interest rate by 2% the first year and 1% the second year, before returning to the full rate in year three—helping reduce early monthly payments. The cost is typically paid by the seller or builder as a concession, though buyers can sometimes fund it themselves depending on the agreement.