BUYER'S QUESTIONS 
What is the difference between a real estate agent and a REALTOR®?
A REALTOR® is a member of local, state, and national professional organization that call agents to a higher standard of professionalism through the Code of Ethics.
What are my benefits of working with a REALTOR®?
There are many good reasons. REALTORS® are experts in their field. They will offer you their advice and opinions about market conditions, contracts, and negotiations; making the process as smooth as possible.
When should I begin searching for a home?
If you have a specific date that you must be in a home, you should begin your search at least two months prior to that date. Two months will allow for one month to find the perfect home and enough time for inspections, loan approval and processing. If you have a home to sell, you should list your home for sale before starting your search.
How long does it typically take from the time I find a house until I can move in?
That depends on the situation. A home can close in less then 10 days if the buyers have met all of their lender's closing requirements. Generally, you should allow between 3 to 6 weeks; maybe longer depending on how soon the seller can vacate the house and how quickly you can close on the home.
What happens after I sign the contract?
Your REALTOR® will lead you through the process of providing the lender with all the necessary documents for loan approval, scheduling inspections of home, and securing homeowners insurance.
Do I have to pay a fee for an agent to help me?
Typically, the Buyer's Agent is compensated by the listing Broker. If this fee is not offered by the listing Broker or is insufficient then compensation will be negotiated through the written Buyers Representation Agreement.
When should I apply for a loan?
Buyers should meet with a loan officer before beginning their search for a home. The loan officer can then issue a pre-qualification letter that tells a seller that you are a serious buyer, have spoken with a lender, and appear to be qualified for a mortgage.
Can a real estate agent help me with new homes or for homes for sale by owner?
It's always best to have an agent looking out for your best interests.
How much house should I buy?
Qualifying for a loan is based upon income, amount of debts, and credit scores. It is best to talk to a loan officer or visit our website at www.####.com and click on the #### Mortgage icon and apply on-line.
What programs are available for first-time home buyers?
There are several different programs available, depending on your location, your mortgage source, and your income. The requirements and benefits vary greatly from program to program. Consult your REALTOR® and your mortgage lender for more information.
How much will my closing costs be? In addition to the down payment, the amount of closing costs will depend on several factors, such as the selling price of the home and the type of mortgage. Your REALTOR® and your loan officer can give you more specific information on the items typically paid by buyers.
How much should I offer for a house?
We know the house will sell for the list price. To assist you in your decision, your agent will research comparable sales in the particular neighborhood and will help you in making an offer.
Should I spend the money to have a home inspection?
The cost of a professional home inspection could be the best money you ever spend on your house. Not only does the home inspector look for any defects from the roof to the foundation, but the inspector will often give you tips on maintaining and repairing your house. Home inspections are also recommended for newly constructed homes.
What is an appraisal? Will I need one?
An appraisal is a detailed analysis by a licensed appraiser of the market value on the home you want to purchase. Lenders will require an appraisal before the loan is
What is the difference between a real estate agent and a REALTOR®?
A REALTOR® is a member of local, state, and national professional organization that call agents to a higher standard of professionalism through the Code of Ethics.
What are my benefits of working with a REALTOR®?
There are many good reasons. REALTORS® are experts in their field. They will offer you their advice and opinions about market conditions, contracts, and negotiations; making the process as smooth as possible.
When should I begin searching for a home?
If you have a specific date that you must be in a home, you should begin your search at least two months prior to that date. Two months will allow for one month to find the perfect home and enough time for inspections, loan approval and processing. If you have a home to sell, you should list your home for sale before starting your search.
How long does it typically take from the time I find a house until I can move in?
That depends on the situation. A home can close in less then 10 days if the buyers have met all of their lender's closing requirements. Generally, you should allow between 3 to 6 weeks; maybe longer depending on how soon the seller can vacate the house and how quickly you can close on the home.
What happens after I sign the contract?
Your REALTOR® will lead you through the process of providing the lender with all the necessary documents for loan approval, scheduling inspections of home, and securing homeowners insurance.
Do I have to pay a fee for an agent to help me?
Typically, the Buyer's Agent is compensated by the listing Broker. If this fee is not offered by the listing Broker or is insufficient then compensation will be negotiated through the written Buyers Representation Agreement.
When should I apply for a loan?
Buyers should meet with a loan officer before beginning their search for a home. The loan officer can then issue a pre-qualification letter that tells a seller that you are a serious buyer, have spoken with a lender, and appear to be qualified for a mortgage.
Can a real estate agent help me with new homes or for homes for sale by owner?
It's always best to have an agent looking out for your best interests.
How much house should I buy?
Qualifying for a loan is based upon income, amount of debts, and credit scores. It is best to talk to a loan officer or visit our website at www.####.com and click on the #### Mortgage icon and apply on-line.
What programs are available for first-time home buyers?
There are several different programs available, depending on your location, your mortgage source, and your income. The requirements and benefits vary greatly from program to program. Consult your REALTOR® and your mortgage lender for more information.
How much will my closing costs be? In addition to the down payment, the amount of closing costs will depend on several factors, such as the selling price of the home and the type of mortgage. Your REALTOR® and your loan officer can give you more specific information on the items typically paid by buyers.
How much should I offer for a house?
We know the house will sell for the list price. To assist you in your decision, your agent will research comparable sales in the particular neighborhood and will help you in making an offer.
Should I spend the money to have a home inspection?
The cost of a professional home inspection could be the best money you ever spend on your house. Not only does the home inspector look for any defects from the roof to the foundation, but the inspector will often give you tips on maintaining and repairing your house. Home inspections are also recommended for newly constructed homes.
What is an appraisal? Will I need one?
An appraisal is a detailed analysis by a licensed appraiser of the market value on the home you want to purchase. Lenders will require an appraisal before the loan is
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