🏡 If You’re Buying a Home

1. Down Payment is Not Always 20%

Many buyers believe they need 20% down, but there are FHA, VA, and first-time buyer programs with as little as 3% down.

2. Understand the True Cost

Your monthly payment includes more than just your mortgage: taxes, insurance, HOA dues, and repairs all add up.

3. Interest Rates Are Still High

Rates remain higher than during the pandemic — plan your budget accordingly and consider locking in your rate.

4. Be Ready for Competition

Even in a slow market, good homes get offers quickly. Have your financing, documents, and agent ready to act fast.

5. Don’t Skip Inspections

Never waive the home inspection. It’s your chance to catch expensive problems before closing the deal.

🏠 First-Time Sellers: What to Know

1. It’s Not 2021 Anymore

Homes no longer sell in 24 hours with multiple offers. Today’s market requires strategy, patience, and preparation.

2. Stage and Prep Your Home

Buyers need to visualize themselves in your space. A clean, staged, and well-lit home sells faster — and for more.

3. Set a Realistic Price

Price too high, and you scare off buyers. Price too low, and you leave money on the table. We help you find the sweet spot.

4. Market Matters

Season, location, and buyer sentiment all affect how fast and how much your home will sell for. We help you analyze your timing.

5. Disclosures and Repairs

Being upfront about your home’s condition builds trust and protects you legally. Minor repairs now can prevent major issues later.

💡 Bonus Tips for Both Buyers and Sellers

• Stay financially flexible — avoid taking on new debt.
• Communicate clearly with your agent and lender.
• Use a trusted real estate advisor, not just an app.
• Know your long-term goals: is this your forever home or a stepping stone?
• Factor in insurance, estate planning, and financial protection for peace of mind.