Clear Answers, Straight Talk
The questions buyers and sellers ask most — answered without fluff.
Buying
How much earnest money is typical?
It depends on price and market, but plan on 1–2% locally. It’s credited back to you at closing.
Can I write offers before pre-approval?
Technically yes, but it weakens your leverage. Get pre-approved first — it costs nothing and speeds everything up.
Selling
What prep has the highest ROI?
Neutral paint, lighting updates, curb appeal, and minor repairs that remove buyer objections.
How long should I expect on market?
Depends on pricing and segment. I’ll give you a micro-market read before we list.
Financing
Fixed vs ARM — which is better?
For most buyers, fixed wins for predictability. ARMs can work if your horizon is shorter than the fixed period.
What’s appraisal gap coverage?
It’s a strategy to bridge a low appraisal by bringing cash or adjusting terms — used carefully in competitive markets.
Paperwork
What contingencies protect me?
Common ones: inspection, financing, appraisal, and sale of current home. We tailor these to your risk tolerance.
When are funds due?
Earnest money within a few days of execution, down payment and closing costs at closing.
Still stuck on something?
Ask me directly — I’ll send a quick, clear answer and a resource link.
Ask a Question