Question 1

How much do I need for a down payment?

Accepted Answer

Less than most people think. While 20% avoids mortgage insurance, many buyers qualify for programs with as little as 3% down — and some, like VA and USDA loans, allow 0% for those who qualify. I'll help you find the right fit.

Question 2

Does it cost me anything to work with a buyer's agent?

Accepted Answer

How agent compensation works has been changing, and it's best discussed directly for your specific situation. I'll be completely transparent about any costs before you commit to anything — no surprises.

Question 3

How long does it take to buy a home?

Accepted Answer

It varies, but once you're pre-approved, finding a home can take anywhere from a few days to a few months. From an accepted offer to closing is usually 30–45 days, depending on your financing.

Question 4

Should I get pre-approved before I start looking?

Accepted Answer

Yes — it's the single most important first step. Pre-approval tells you exactly what you can afford and makes your offers far stronger when you find the right home.

Question 5

What if the inspection finds problems?

Accepted Answer

That's exactly what it's for. Not every finding is a dealbreaker — I'll help you tell normal wear from real concerns, and we can negotiate repairs, a credit, or a price adjustment when it's warranted.

Question 6

What happens if the appraisal comes in below the offer price?

Accepted Answer

You have options. Depending on your contract, you may renegotiate the price, cover the difference, or challenge the appraisal with additional comparable sales. I'll walk you through the best path.

Question 7

Can I buy while I still have a home to sell?

Accepted Answer

Yes — this is very common. Contingent offers, rent-back agreements, and careful timing all make it work, and I coordinate this kind of buy-and-sell regularly for clients in Portland and Vancouver.

Buyers Guide