07/16/2026
Questions every Phoenix home buyer asks me — answered.
#1: Do I need to be pre-approved before I look at homes?
Yes — and here's why it actually helps you. A pre-approval letter tells you exactly what you can afford, so you're not falling in love with homes outside your budget. It also shows sellers you're serious, which matters in a competitive market. Most agents (including me) won't schedule tours without one. The good news: getting pre-approved is faster than you think — often same day.
#2: How much do I actually need to save?
More flexibility than you might think. Down payments can range from 3% to 20% depending on your loan type — and there are programs specifically designed for first-time buyers that can lower that number significantly. Beyond the down payment, plan for closing costs (typically 2–3% of the purchase price) and a small reserve for move-in expenses. We'll map this out together before you ever make an offer.
#3: Can I buy a new home before I sell mine?
Yes — and it's more common than you'd think. There are a few ways to approach it: bridge financing, a contingency offer, or timing the close dates strategically so you're not paying two mortgages. The right path depends on your equity position and how quickly your current home would sell. This is one of the first things I walk through with move-up buyers — there's almost always a way to make it work.
#4: What are closing costs — really?
Closing costs are the fees paid at the end of the transaction to finalize your purchase. They typically run 2–3% of the loan amount and include lender fees, title insurance, escrow fees, and prepaid property taxes. They catch a lot of buyers off guard — but they shouldn't catch you off guard. We'll go over a full estimate early in the process so you know exactly what to expect before you're ever sitting at the closing table.
#5: How do I make a competitive offer without overpaying?
This is where local expertise actually matters. A competitive offer isn't just about the price — it's about the terms, the timeline, and understanding what the seller actually needs. I analyze recent comparable sales in the specific neighborhood, advise on where there's room to negotiate and where there isn't, and help you write an offer that's strong without being reckless. You'll never feel like you're guessing.
#6: Is now actually a good time to buy?
Honestly? It depends on your life — not the market. I've seen people wait for 'the perfect time' and miss out for years. The best time to buy is when you're financially ready, you have a clear sense of what you want, and you have the right person guiding you. Rates, inventory, and prices shift constantly. Your goals don't have to. If you're asking the question, it might be worth a conversation.
The full guide covers all of this — and a lot more.
Download the free Home Buyer's Guide for the complete step-by-step walkthrough: from getting pre-approved to getting the keys. No pressure, no obligation — just the clarity you need to move forward with confidence. Visit the Link in bio to grab your free copy. 🏡
