Question 1

How much home can I afford?

Accepted Answer

A general rule is your monthly housing payment should not exceed 28% of your gross monthly income. Use our affordability calculator or speak with a lender to get pre-approved and know your exact budget.

Question 2

What are closing costs for buyers?

Accepted Answer

Buyer closing costs typically range from 2-5% of the purchase price and include lender fees, title insurance, appraisal, home inspection, and prepaid taxes/insurance.

Question 3

How long does it take to buy a house?

Accepted Answer

On average, the home buying process takes 30-60 days from accepted offer to closing. The timeline depends on financing, inspections, and any negotiation periods.

Question 4

Do I need a real estate agent to buy a home?

Accepted Answer

While not required, a buyer's agent provides market expertise, negotiation skills, access to MLS listings, and guidance through the complex paperwork — typically at no cost to the buyer.

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