Buying FAQ

The first step is getting pre-qualified for a mortgage. This tells you how much you can afford and shows sellers you're a serious buyer. I can connect you with trusted local lenders who will walk you through the process. Learn more about getting pre-qualified.

While 20% down is traditional, many programs allow much less. FHA loans require as little as 3.5% down, and conventional loans can go as low as 3%. VA and USDA loans may offer 0% down for qualified buyers. I'll connect you with a lender who can explain all your options. Use my loan calculator to estimate payments.

Closing costs typically run 2-5% of the purchase price and include lender fees, title insurance, appraisal, survey, and prepaid taxes and insurance. On a $300,000 home in the Humble area, expect $6,000-$15,000 in closing costs. In some cases, we can negotiate for the seller to contribute toward your closing costs.

From the time you start looking to closing day, the process typically takes 2-4 months. Once you find a home and go under contract, closing usually takes 30-45 days. In a competitive market with low inventory, you may need to be ready to move quickly when the right home comes along.

Beyond the cosmetics, pay attention to the roof condition, foundation, HVAC system, plumbing, and electrical. In NE Houston, also check for signs of past flooding and ask about flood zone status. I'll point out potential issues during showings and recommend professional inspections before you commit.

A home inspection is a thorough evaluation of a property's condition by a licensed inspector. While not required by law, I strongly recommend it. An inspection can reveal hidden issues that could cost thousands to repair. I work with several excellent local inspectors I trust. See my trusted partners.

Don't get discouraged! In competitive areas like Kingwood and Atascocita, it's common to make offers on multiple homes before one is accepted. I'll help you craft compelling offers and can advise on strategies to make your offer stand out, such as flexible closing dates and other contingencies.

While it's not legally required, having a buyer's agent is strongly recommended. I represent your interests throughout the transaction, negotiate on your behalf, and guide you through the complex paperwork. I have extensive knowledge of the local market and can help you find homes that meet your criteria, even those that aren't widely advertised. Plus, my services are typically free to buyers since I'm compensated by the seller's agent.

Humble, Atascocita, and Kingwood are served by Humble ISD, which consistently ranks among the top school districts in the Houston area. Specific school assignments depend on your address. I can help you identify homes in the attendance zones for the schools that matter most to your family.

A general rule is that your total housing costs should not exceed 28% of your gross monthly income. I have a detailed affordability guide that walks you through the key factors, and my loan calculator can help you estimate monthly payments.

This depends on your financial situation and the market. In a seller's market, you might sell first to have a stronger offer. In a buyer's market, you might buy first to avoid being without a home. I can help you navigate the timing and even coordinate simultaneous closings.

Earnest money is a deposit (typically 1% of the purchase price) that shows the seller you're serious about buying. It's held in escrow and applied toward your closing costs or down payment. If you back out for a reason not covered by your contract contingencies, you may forfeit this deposit.