Buyer, Financing, and Investor FAQs

Have questions? You’re not alone. Whether you’re a first-time buyer, investor, or simply exploring the market, here are answers to the questions I get asked most.

Buyer FAQs

Pre-qualification is an estimate based on self-reported financial info. Pre-approval is a formal review by a lender based on verified documents.

It depends on the purchase price and whether you’re a first-time buyer. Minimums range from 5% to 20%.

Legal fees, land transfer tax, title insurance, home inspection, and moving expenses are typical.

Typically, closing costs range from 1.5% to 4% of the home’s purchase price. I’ll help you estimate this accurately.

While not legally required, it’s highly recommended to avoid surprises and negotiate with confidence.

Financing FAQs

It depends on your risk tolerance, goals, and the current rate environment. I help clients assess both options.

Yes. It requires more documentation, but there are lenders who specialize in self-employed applicants. I work with professionals who specialize in non-traditional approvals.

Improve your credit score, reduce debt, and work with a mortgage advisor who understands your situation.

Investor FAQs

It depends on your goals — condos, townhomes, and duplexes each offer different returns and risks.

Yes — from advertising to screening and lease setup, I help ensure your investment is hands-off.

We look at rental income, expenses, and potential appreciation to calculate cash flow and return.