Here’s a question we hear all the time: “Do I need a realtor before I can apply for a mortgage?” The short answer? No. You absolutely don’t. In fact, many buyers—especially first-timers—start with us first. And honestly, that’s how it should be. We’re in a market where buyers have more options, more negotiating power, and […]
One of the biggest stress points for homebuyers—especially first-timers—is figuring out what paperwork they actually need to apply for a mortgage. We hear it all the time: “Do I need to dig up everything from the last ten years?” or “What if I don’t have a W-2 job?” The truth is, it’s not as overwhelming […]
If you’re buying your first home, you’ve probably heard about closing costs—but what exactly are they? A lot of first-time buyers focus on the down payment and don’t realize they’ll need additional funds to finalize their purchase. Closing costs cover everything from lender fees to title insurance, HOA fees and prepaids, and they typically range […]
One of the biggest fears people have when thinking about buying a home is credit. Maybe you’ve had a late payment here or there, or you’ve got some old collections you’d rather not think about. A lot of people assume their credit isn’t “good enough” to qualify for a mortgage—but the reality is, you might […]
