Your Questions, Answered
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Not technically—but it’s highly recommended. A pre-approval helps you understand your budget, strengthens your offer, and allows you to move quickly in a competitive market.
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This depends on the loan program, but many buyers are surprised to learn they don’t need 20% down. There are options with lower down payments and even assistance programs available.
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Closing costs are fees associated with finalizing your loan and purchase. They typically include lender fees, title work, taxes, and insurance, and usually range between 2–4% of the purchase price.
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From offer to closing, most transactions take about 30–45 days, though the timeline can vary depending on financing, inspections, and negotiations.
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An inspection doesn’t mean the deal is dead. It gives us the opportunity to renegotiate, request repairs, or plan ahead so there are no surprises.
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The “right” time depends on your goals, finances, and timeline. Our job is to help you understand the market and decide if buying now makes sense for you.