FAQs
The closing process typically takes 30 to 45 days from the time your offer is accepted. This timeline includes securing financing, completing inspections, conducting an appraisal, and finalizing all legal documentation. Working with an experienced real estate team helps streamline this process and avoid delays.
Yes! Many loan programs allow you to buy a home with as little as 3% to 5% down, such as FHA or conventional loans. However, putting down less than 20% may require private mortgage insurance (PMI). Your lender can explain your options, and our team can help you find homes that fit your budget.
Closing costs are fees associated with finalizing a real estate transaction and typically range from 2% to 5% of the home’s purchase price. These include loan origination fees, title insurance, taxes, and attorney fees. Buyers usually pay most of these costs, but sellers can offer concessions depending on the negotiation.
Title insurance protects you against legal issues related to the ownership of your home, like liens or previous ownership disputes. While not always required, most lenders will mandate it.
A contingent offer includes conditions that must be met before the sale is final, such as selling your current home or securing financing. Contingencies protect buyers but may be less attractive in a competitive market. We'll help you craft offers that balance protection with strength.