Common Questions

Home-buying questions, answered plainly

No jargon, no pressure — just straight answers to the things buyers actually ask. Start anywhere.

Getting started

First-time buyer — where do I start?

The order that actually works, and what you can safely ignore at first.

Should I get pre-approved first?

Why it is the most useful step before you tour a single home.

How much house can I afford?

How lenders really figure it out — beyond just your salary.
Understanding the numbers

What credit score do I need?

There is no single magic number — see the real ranges by loan type.

How much down payment do I need?

The 20% rule is a myth. See what down payments actually look like.

What are all the fees in a mortgage?

A plain-language breakdown of closing costs — and which you can shop for.

Can I buy with student loan debt?

Usually yes — here is how lenders actually count student loans.
Your local market

Buying a home in Northern Virginia

Local notes on prices by county, competition, and Virginia buyer programs.

Have a question that is not here?

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