Your Questions, Answered

GENERAL FAQs

Realtor and Mortgage Loan Officer
Getting started is simple. Reach out through our contact form or give me a call, and we’ll walk you through the next steps and answer any questions along the way.
As both your Realtor and Mortgage Loan Officer, I simplify the entire process so you can move forward with confidence.
✔ One point of contact
✔ Faster, smoother approvals
✔ Stronger, more competitive offers
✔ Clear communication every step of the way
You can reach us anytime via our contact page, email, or by contacting me directly. We aim to respond quickly—usually within one business day.
I have over 10 years of experience in real estate, and my team has over 20 years of combined experience in mortgages.
Collaborative, honest, and straightforward. I’m here to guide you through the process, bring ideas to the table, and keep things moving.

Prequalification is a quick estimate of how much you might be able to borrow, while preapproval is a formal, written commitment from a lender to lend you a specific amount, subject to property approval and underwriting.
Down payments vary by loan type. FHA loans require as little as 3.5%, while Conventional loans can require as low as 3% for first-time buyers. However, putting down less than 20% often requires Private Mortgage Insurance (PMI).
A "point" is a fee equal to 1% of the loan amount. You can pay points up front to buy down your interest rate, lowering your monthly payment. Ask if points are required to secure the quoted interest rate.
- Conventional: Often requires a higher credit score but has no upfront insurance fee.
- FHA: Good for lower credit scores or smaller down payments.
- VA: Offers up to 100% financing for eligible veterans and service members.
A rate lock ensures your interest rate won't change between your offer acceptance and closing, usually within a 30 to 60 day window.

I will conduct a Comparative Market Analysis (CMA) to analyze similar homes sold recently in your area to determine the optimal price range.
Focus on decluttering, deep cleaning, and boosting curb appeal.
Yes, sellers must disclose all known material facts about the property.
A home that is sold privately without being listed on the MLS, which I can access through my local network.

Yes, per NAR settlement changes, a written agreement is required to show homes.
A deposit showing you are serious about purchasing, which is typically credited toward your closing costs.
Down payments vary by loan type, with some loans as low as 3.5% or even 0% for VA/USDA loans, though a standard conventional loan is often 5-20%.
I represent your interests, help you find homes, negotiate the offer, and guide you through inspections and closing.