Resources
Buyer Questions
Short answers to the questions buyers ask most. Your own situation is worth a conversation.
Do I need 20% down?
No. Eligible buyers may have access to low- or no-down-payment mortgage options, depending on the program. A lender can assess your eligibility.
Are there down payment assistance programs?
Some state, local, and lender-supported programs may help eligible buyers. Availability, funding, and requirements change; ask a lender about current options.
Should I get preapproved before touring?
A lender preapproval can help establish a useful search range. It is not a final loan approval.
What credit score do I need?
Requirements vary by lender and loan type. A mortgage professional can review your circumstances and current program guidelines.
What are closing costs?
They are transaction expenses beyond the down payment. Your lender and closing professionals can provide estimates specific to your purchase.
How much money do I need to buy a home?
The amount depends on the price, financing, inspections, closing expenses, and possible assistance or credits. There is no one-size-fits-all number.
Can I buy while selling my current home?
Possibly. The timing and financing strategy depend on your circumstances and the contract terms. We can discuss options.
How long does it take to buy a home?
The timeline varies based on your search, financing, contract terms, and closing arrangements.
Can I buy a home remotely?
Some parts of a purchase can be handled virtually, subject to lender, contract, inspection, and closing requirements.
Do I need an agent for new construction?
You may choose representation. Builder sales representatives represent the builder; discuss your own representation and compensation arrangements before signing.
Are builder incentives always available?
No. Offers vary by builder, community, timing, financing terms, and eligibility.
What happens after an offer is accepted?
Your contract establishes important deadlines and responsibilities. I can help coordinate the process with the professionals involved.
What is due diligence in Georgia?
Contract provisions may give a buyer a defined opportunity to evaluate a property. The exact rights and deadlines depend on the signed agreement.
Do I need a home inspection?
An inspection can provide information about property condition. Discuss inspection decisions and contract deadlines before proceeding.
Can I negotiate the asking price?
Offers may involve negotiation of price and other terms. The right approach depends on the property and market conditions.
Who pays the buyer’s agent?
Compensation is negotiable and depends on written agreements and any applicable seller or listing-broker arrangements. Discuss the terms before signing.
What if I am relocating from another state?
You can start by narrowing locations, discussing commute needs, and reviewing available homes. Virtual planning may help.
How do I compare neighborhoods?
Use objective criteria important to you, such as housing costs, property features, commute routes, and publicly available community information.
How do I get started?
Schedule a buyer consultation to discuss your timeline, preferred locations, financing status, and next steps.
