Buyer FAQ's
How long does the buying process take?
It depends on where you're starting. Some buyers find a home in a weekend, while others take a few months. Once your offer is accepted, closing typically takes about 30 days, but every situation is different. My goal isn't to rush you—it's to help you find the right home.
How many properties does the typical buyer look at?
There isn't a magic number. Some buyers know exactly what they want after seeing three homes. Others need to compare twenty before they feel confident. Everyone's process is different, and that's okay.
When should I make an offer?
When you've found a home you can truly picture yourself living in and you're comfortable with both the home and the numbers. I'll help you understand the market, review comparable sales, and make sure you have the information you need before deciding.
How much should I offer?
The right offer depends on the home's value, market conditions, how long it's been listed, and whether there are competing offers. Sometimes asking price is appropriate. Sometimes below. Sometimes above. Every offer should have a strategy behind it.
Should I lock in my interest rate or float?
That's a conversation you'll have with your lender, but I'll work closely with them throughout the process. They'll help you decide based on current rates, market trends, and your closing timeline.
When will I get the keys?
Most buyers receive their keys on closing day, but your contract will outline the exact possession date.
What happens at closing?
Closing is when you'll sign the final paperwork, your lender funds the loan, and ownership officially transfers to you. It sounds like a lot, but it's actually a pretty straightforward appointment. I'll make sure you know exactly what to expect before you walk in.
Is the closing date on my contract guaranteed?
Not always. Most closings happen on schedule, but occasionally financing, title work, repairs, or other unexpected issues can cause delays. If something changes, I'll keep you informed and help navigate the next steps.
How much earnest money should I put down?
Earnest money is a good-faith deposit that shows you're serious about purchasing the home. The amount varies depending on the price of the home and local market conditions. We'll decide together what makes the most sense for your offer.
What happens to my earnest money?
Your earnest money is held by the title company or listing brokerage until closing. At closing, it's applied toward your down payment and closing costs.
How often do you find the perfect property on the first day? (80-10-10 Rule)
I like to prepare buyers using the 80-10-10 rule. If a home checks about 80% of your wish list, it's worth taking a serious look. About 10% are things you can usually change over time—paint colors, light fixtures, landscaping, even flooring. The last 10% may simply be compromises every buyer makes because no home is truly perfect. Waiting for 100% often means missing out on a home you'll love.
Is there anything I should not do during the house hunting process?
Yes! Avoid making large purchases, opening new credit accounts, changing jobs, or moving money between accounts without talking to your lender first. Even buying furniture before closing can affect your loan approval.
What is the likelihood of a multiple-offer situation?
It depends on the price point, location, and current market. Well-priced homes in desirable neighborhoods can still receive multiple offers, while others may not. I'll let you know what I'm seeing in the market so we can create the strongest strategy possible.
What money will I need to bring to closing?
Typically you'll bring your down payment, closing costs, prepaid taxes and insurance, and any remaining balance after your earnest money is credited. Your lender will provide a Closing Disclosure with the exact amount before closing.
How long does the home inspection take?
Most inspections take between two and four hours, depending on the size and age of the home. I always encourage buyers to attend if they're able. It's a great opportunity to learn about your future home.
Do I really need a home inspector?
I highly recommend it. A home inspection helps you understand the home's condition before you move forward. No house is perfect—not even new construction—and an inspection gives you valuable information so you can make an informed decision.
