FAQ

Frequently Asked Questions

The 7 Questions That, Once Answered, Make ALL Home Buyers Ready to Purchase

Whether you’re a first-time homebuyer, upgrading to your dream home, or investing in real estate, the process can feel overwhelming—but only if you don’t have the right answers upfront.

The biggest mistake homebuyers make? They start house hunting before they’ve truly prepared.

If you don’t have clear answers to these 7 essential questions, you’re setting yourself up for stress, delays, or even losing out on your dream home.

How Much Home Can I REALLY Afford?

📌 Why It Matters:

Most buyers focus on the home price, but what really matters is the monthly payment and upfront costs that fit your lifestyle.

💡 Without clarity, you risk:

❌ Falling in love with a home that’s out of your financial comfort zone.

❌ Underestimating your true costs (taxes, insurance, HOA fees, etc.).

❌ Getting stuck with a mortgage that leaves you house poor.

✅ How to Get It Right:

I provide a real affordability breakdown, including monthly payments, cash-to-close, and total ownership costs—so you walk in with confidence, not confusion.ur situation—not just what’s advertised online.

What Loan Options Are Available to Me (and Which One is Best)?

📌 Why It Matters:

There’s no one-size-fits-all mortgage. The loan you choose impacts your down payment, monthly payment, and long-term financial strategy.

💡 Without clarity, you risk:

❌ Paying more in interest and fees than necessary.

❌ Choosing a loan that doesn’t align with your financial goals.

❌ Getting stuck with a mortgage that limits your future flexibility.

✅ How to Get It Right:

I compare multiple lenders and loan programs to ensure you

secure the best rate, best terms, and most strategic financing option for your unique situation.

How Much Do I Need for a Down Payment and Closing Costs?

📌 Why It Matters:

The down payment is just one part of the equation—you also have closing costs, moving expenses, and future maintenance costs.

💡 Without clarity, you risk:

❌ Being shocked by unexpected costs at closing.

❌ Assuming you need 20% down when lower (or even no) down payment options exist.

❌ Draining your savings when a smarter down payment strategy

could’ve kept more cash in your pocket.

✅ How to Get It Right:

I break down your down payment options, closing costs, and how to maximize your buying power—without overextending yourself financially.

How Does My Credit Score Affect My Mortgage Approval & Rate?

📌 Why It Matters:

Your credit score doesn’t just determine whether you get approved—it also affects your interest rate, loan terms, and how much you’ll pay over time.

💡 Without clarity, you risk:

❌ Paying tens of thousands more in interest over the life of your loan.

❌ Being offered a lower loan amount than you expected.

❌ Getting denied for the loan you thought you’d qualify for.

✅ How to Get It Right:

I analyze your credit score, debt-to-income ratio, and financial profile—and if needed, I’ll help you boost your score quickly

so you qualify for the best possible mortgage.

What’s the True Cost of Homeownership Beyond My Mortgage?

📌 Why It Matters:

A mortgage is just one piece of your total homeownership cost.

Many buyers forget to factor in:

✅ Property taxes

✅ Homeowners insurance

✅ HOA fees (if applicable)

✅ Utilities & maintenance

✅ Unexpected repairs

💡 Without clarity, you risk:

❌ Buying a home you can “afford” on paper—but struggle to maintain financially.

❌ Facing unexpected tax hikes or insurance increases that stretch your budget.

❌ Getting caught off guard when a repair or major expense comes up.

✅ How to Get It Right:

I give you a full cost breakdown so you’re 100% prepared for what your home will really cost—beyond just the mortgage payment.

What Are the Biggest Mistakes I Need to Avoid?

📌 Why It Matters:

Many homebuyers make avoidable mistakes that cost them

time, money, and sometimes even their dream home.

💡 Without clarity, you risk:

❌ Rushing into a purchase without being fully pre-approved.

❌ Waiving inspections and missing serious problems.

❌ Overpaying because you don’t know how to negotiate properly.

✅ How to Get It Right:

I make sure you avoid the biggest pitfalls, so you get the best deal possible without unnecessary stress or costly errors.

What’s the Step-by-Step Game Plan to Get My Offer Accepted?

📌 Why It Matters:

Getting pre-approved is just the beginning—you also need to know how to craft a winning offer, negotiate the best deal, and smoothly close on your home.

💡 Without clarity, you risk:

❌ Losing your dream home to another buyer because your offer wasn’t competitive.

❌ Getting trapped in a bad deal with poor terms.

❌ Running into last-minute financing issues that delay or derail your closing.

✅ How to Get It Right:

I guide you through the entire process from pre-approval to closing, ensuring your offer is strong, strategic, and positioned to WIN in any market.

Answer These 7 Questions & You’re Ready to Buy

If you don’t have clear, confident answers to these questions, you’re walking into the homebuying process unprepared—and that’s how costly mistakes happen.

That’s why I created the 7-Point Mortgage Success Exam.

✅ It’s free.

✅ It’s 30 minutes.

✅ It’s customized to YOU.

🚀 By the end of our session, you’ll know:

✔ Exactly what you can afford and how to structure your mortgage.

✔ How to avoid common mistakes and maximize your buying power.

✔ The step-by-step path to getting your offer accepted without stress.

📞 Ready to get started?

The difference between a smooth, confident home purchase and a stressful, expensive mistake comes down to knowing these answers before you buy.

Let’s make sure you’re set up for success. 🔥