Question 1

How much do I actually need for a down payment?

Accepted Answer

Most first time buyers assume they need 20%, but that's a myth. There are loan programs that allow as little as 3% to 3.5% down, and some programs for qualified buyers require even less. The right number depends on the loan type and your financial picture, which we'll break down in detail at the seminar.

Question 2

What credit score do I need to buy a home?

Accepted Answer

Conventional loans generally look for a score around 620 or higher, while FHA loans can work with scores as low as 580, and sometimes lower with a bigger down payment. Your score also affects your interest rate, not just whether you qualify. We'll go over how to read your specific situation at the seminar.

Question 3

Do I need to already be pre-approved to attend?

Accepted Answer

No. Pre-approval is actually one of the first things we help buyers get sorted out, not a requirement to show up. It just means a lender has reviewed your finances and told you what you can borrow. We'll explain how that process works and connect you with a trusted lender if you need one.

Question 4

Is there a cost to attend?

Accepted Answer

No, it's completely free with no obligation to work with us afterward. Our goal is to give you real, usable information about buying a home in this market, not to make a sales pitch.

Question 5

How long does the home buying process usually take?

Accepted Answer

From getting pre-approved to closing, it typically takes 30 to 60 days once you're under contract, though finding the right home can take anywhere from a few weeks to several months depending on the market and what you're looking for. We'll map out each stage so you know what to expect and when.

Question 6

What's the difference between working with a real estate agent and going it alone?

Accepted Answer

An agent handles pricing strategy, negotiations, contract details, deadlines, and problem solving, all things that carry real financial risk if handled wrong. In most cases, the seller pays the buyer's agent commission, so working with one costs you nothing out of pocket. We'll explain exactly what that representation looks like day to day.

Question 7

Will I be pressured to sign anything or commit to working with you?

Accepted Answer

No. This is an educational session built to answer your questions, not to lock you into anything. You're welcome to attend, learn, and decide on your own timeline whether you want to take the next step with us.

Question 8

What happens after the seminar if I want to move forward?

Accepted Answer

We'll set up a one on one appointment to go over your specific goals, budget, and timeline, and connect you with a trusted lender if you don't already have one. From there we'll build a plan that's tailored to you instead of a generic checklist.

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