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Frequently Asked Questions:

We all know real estate is more than just bricks and mortar. It's about dreams, families, futures. So, let's ditch the dry jargon and get real. Here are some frequently asked questions, answered:

How do I know what my home is worth?

That’s where I come in! I’ll do a Comparative Market Analysis (CMA) to give you a solid idea of your home’s current value. I know online tools are tempting but but they can be way off. Nothing beats an in-person evaluation of your property, especially in a market like Northeastern Pennsylvania, where neighborhoods can vary widely.

What Should I Look for in a Real Estate Agent?

Look for someone who gets you. It’s more than market knowledge, it’s about trust, communication, and finding someone who will hustle just as hard for your dream as you will. A great agent listens, asks the right questions, and makes the whole process feel less overwhelming. Bonus points if they can make you laugh during stressful moments!

I'm a first-time homebuyer, where do I even start with the home buying process?

The first step in the home-buying process is getting pre-approved for a mortgage to best understand your budget. Connect with a local lender to find out your loan options. Then, think of your needs (number of bedrooms, commute) and wants (big backyard, updated kitchen). Connect with a trusted real estate agent (like me!), and start navigating the market together, step by step right up until you close on your home.

How much money do I need for a down payment?

It depends! Some buyers think they need 20%, but there are so many options now. Down payments can range from 0% to 20% or more, depending on your loan type. FHA loans typically require a minimum of 3.5%, while Conventional loans can range from 3% to 20%. VA and USDA loans offer 0% down options for qualified buyers. Connect with a local lender to find out your loan options and consider your long-term financial goals when deciding how much to put down.

What is a home inspection, and why is it important?

Think of a home inspection like a check-up for your house. It’s a chance to spot potential issues before they become expensive headaches. If you’re buying an older home, this step is even more important, you don’t want to discover hidden problems after moving in. I always recommend walking through the inspection with your inspector so you can see things firsthand and ask questions. It's also another tool used in negotiations.

What are the hidden costs of homeownership?

Beyond the mortgage, consider property taxes, and homeowner's insurance, the other potential cost are: unexpected repairs, sewer bills, garbage bills and maybe even HOA fees. To get a clear picture of your budget factor in your income, debts, and savings. A good lender can help you understand your affordability so you don't stretch yourself too thin.

What are closing costs, and how much should I expect to pay?

Closing costs are those sneaky little expenses that catch a lot of buyers off guard. They typically add up to about 2% to 6% of the purchase price and cover things like loan fees, recording fees, title insurance, taxes and possible attorney fees.