FAQ
Everything buyers, sellers and investors ask us most often.
How do I start the home buying process?
The best first step is a conversation. We review your goals and budget, connect you with a trusted lender for pre-approval, and then begin touring homes that match your criteria. Pre-approval tells you exactly what you can afford and makes your offer far stronger.
How much do I need for a down payment?
It depends on the loan. Conventional loans can start at 3% down, FHA loans at 3.5%, and VA and USDA loans often require nothing down. North Carolina also offers down payment assistance through NCHFA programs for qualified buyers.
Do I need perfect credit to buy a home?
No. Many buyers qualify with less-than-perfect credit. Different loan programs have different requirements, and we can connect you with lenders who will review your situation and, if needed, help you build a plan to improve your score.
Can I buy a home with an ITIN instead of a Social Security number?
Yes. We work with lenders offering ITIN and bank statement loan programs designed for buyers without a Social Security number or with non-traditional income documentation. We will walk you through the requirements in your language.
How long does it take to close on a home?
Most transactions close within 30 to 45 days from an accepted offer. Cash purchases can close faster. Timelines depend on financing, inspections, and appraisal scheduling — we keep you updated at each milestone.
What costs should sellers expect?
Sellers typically budget for commission, attorney fees, any negotiated repairs, and prorated taxes. We provide a clear net-proceeds estimate before you list so there are no surprises at closing.
Do you help investors?
Absolutely. We assist investors with rental analysis, DSCR financing, portfolio strategy, and identifying properties with strong long-term appreciation across North Carolina markets.
What languages do you speak?
Our team serves clients in English, Spanish, Arabic, French, and Portuguese so every family can navigate their transaction with full confidence and clarity.