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How much do I need for a down payment?: Answer:
The down payment depends on the loan type. For a conventional loan, you typically need 5% to 20% of the homes price. FHA loans require at least 3.5%, while VA and USDA loans often allow 0% down for eligible buyers.

What is a mortgage pre-approval?: Answer:
A mortgage pre-approval is a lender's conditional commitment to loan you a specific amount based on your financial situation. It helps you understand your budget and shows sellers you're a serious buyer.

What are closing costs?: Answer:
Closing costs are fees associated with finalizing a real estate transaction. They typically range from 2% to 5% of the purchase price and can include appraisal fees, title insurance, and attorney fees.

What is a home inspection?: Answer:
A home inspection is a thorough examination of a property's condition, typically conducted by a professional inspector. It helps identify any potential issues or repairs needed before finalizing the purchase.

What is a real estate agent?: Answer:
A real estate agent is a licensed professional who represents buyers or sellers in real estate transactions. They provide guidance, market knowledge, and negotiation skills to help clients achieve their goals.

What is earnest money?: Answer:
Earnest money is a deposit made by the buyer to show their commitment to purchasing a property. It is typically held in escrow and applied to the down payment or closing costs if the sale goes through.