Great question! The answer depends on your full financial picture, like your income, credit score, monthly debts, and how much you’re putting down.

A general rule is to keep your mortgage payment under 30% of your income. But the best way to know what you can afford is to go over your numbers together.

Pre-qualification is an estimate based on self-reported info, while pre-approval is backed by actual documents and gives you real buying power.

If you're getting serious about house hunting, pre-approval is the stronger move, and it shows sellers that you’re serious.

You don’t always need 20%! Depending on the loan type, you may qualify with as little as 3% down, and some buyers qualify for no-money-down programs.

What works best for you depends on your situation, and I can help you explore all your options.

Closing costs usually range from 2% to 5% of the home’s purchase price. They include fees like title services, loan origination, taxes, and insurance.

Some of these can be negotiated or even covered by the seller, and I’ll help you plan for them ahead of time.

There’s no one-size-fits-all answer. The “right time” depends on your personal goals, finances, and how the current market fits into that picture.

I can break it down and help you figure out what makes sense for you.

Yes! I’m licensed as both a real estate agent and a mortgage loan officer.

Meaning, I can guide you through the entire process, making it smoother and more efficient.