TOP QUESTIONS BUYERS ASK

A buyer's "cash-to-close" varies depending on the desired home price, and closing costs to cover the transaction. To best prepare for the full cost of purchasing a home, we recommend saving around 6-7% of the total house price you are searching for. There are various down payment assistance programs available for buyers with a credit score starting at of 650+ and financing options beginning at 600+. 

During your scheduled buyer's consultation, feel free to discuss all financial questions and options. 

Starting in 2022, mortgage lenders have implemented a new relief to help ease the burden of student loan debt. 

Lenders will only consider 0.5% of the total amount owed for student loans when determining eligibility for credit approval, with a few exceptions. If there's a payment plan in place, debt-to-income ratio comes into play. 

As a buyer, it's important to be mindful of these changes and utilize them to your advantage. The burden of student loans can be overwhelming, but these new rules may provide some relief. Pursuing secondary education should be a stepping stone to career advancement, not a stumbling block.

If you're thinking about selling your home, let's set up a time to see what your home value is! 

Right now, we are currently in a seller's market. Now is a great time, and extremely beneficial when it comes to receiving the highest amount for your home. 

Schedule a selling consultation. We will great a full report to discuss all things included with selling your home for the highest value! 

HOA- or Home Owner Association, is an agency created and paid to manage the community with certain guidelines mentioned in the community covenants. 

HOA fees are paid monthly/quarterly/yearly.  Although having an HOA may seem to be costly, these management companies usually cover a few home fees for owners.

Review the current market to help estimate your options with closing; rather that purchasing a resale home or having additional time for new constructions.

 Due to very selective inventory, you may want to start early -such as 6 months in advance, or latest, 3 months before desired move in day. 

When financing a home purchase with 2 or more buyers, each buyer has to meet the same qualifications with credit and financing. 

If your are looking for both ownership within the property, feel free to discuss deed recording

options during your consultation call. 

Entrepreneurship is amazing! We have several programs available for self-employed buyers including traditional financing, with 1099s, or 12 month bank statements, based on a credit score of 660+, and 10% down.