It is at core how we conduct ourselves to clients. A fiduciary is bound by the most stringent ethical and legal duty to prioritize client interests above our own compensation and any other factors.

That’s completely fine! However, would it be wise to get a second opinion before making any final decisions? It does not hurt to ask a 3rd party and explore different options presented to you to ensure you make the best choice for your needs.

The right time to get into real estate is when you think you are ready. We are not here to push people into decisions, but to guide them. There will always be outside factors we cannot control, but we can always manage what we can do like proactively learning and pay attention current events. When a great deal comes along we will know it is a great deal when price and terms meet our expectations.

There are many factors, but if we were to have a rough look. It comes to down payment amount and net amount saved after all expense such as (i.e. rent, food, lifestyle, and debt)

Pre-qualification is a quote of what you can potentially approved from the bank, a rough sketch. Meanwhile, pre-approvals are the real deal lender/banks get an in depth look of your finances and present a number which is they deem able to handle.

If buyer and seller both get along and all things well it can be as soon as a few weeks, but typically can be finalized in few months.

Home inspections is what it sounds like. When you hire a professional to do a deep search on the property an inspection is taken place to check if the property is accurately represented or any issues arise. It is important for both parties, buyer and seller, to conduct one to properly understand condition of property.

HOA fees are essentially maintenance fees related to the community you live in. Common in condominiums, apartment complexes, and planned communities.

Closing costs are typically as follows and addition. It is the cost incurred settling the transaction.

Attorney fees, Taxes, Title insurance, recording fees, broker commission

The role of a real estate agent is to make sure the transaction is moving smoothly and by the book. Fight for the client to make sure everything is right and their best interest is represented. We may be bias being that we are real estate professionals. However, It does not hurt to work with a person looking to do what is right. We are fiduciaries.

Contract Deposit is same as Earnest Money Deposit. It's intended to show the seller that the buyer is serious about buying their home, a good faith deposit. Contract deposit will only be due after your attorney has reviewed the proposed contracts and you have completed your inspection and due diligence of the property. This usually takes around 1-week from when your offer is accepted. When you officially sign the contract, you submit the contract deposit to be held in the Seller's Attorney's escrow account until the closing date. At the point when you close on the property, the contract deposit held is applied towards the down payment. Depending on contingencies or proposed terms set by both parties earnest money deposit may or may not be refundable.