Buying
From your first pre-approval call to the keys, our Yorktown team handles the details so you can focus on finding the right home.
The process
Every purchase is different, but most follow the same six steps.
A lender reviews your income, credit and savings and tells you what you can borrow. It also shows sellers you are ready to buy. We can introduce you to trusted local lenders.
Commute, schools, flood zones and taxes vary a lot from one city or county to the next. Our area guides compare all 16 communities we serve.
We set up a search for new listings that fit your plan and tour homes with you, in person or by video if you are relocating.
We look at recent sales to set a price, then shape terms like the deposit, contingencies and closing date to make your offer stand out without overpaying.
During due diligence you can order inspections, review the flood zone and insurance quotes, and your lender orders the appraisal. We negotiate any repairs.
Closing usually happens at a title or settlement company. We walk you through the final numbers and hand you the keys.
Military buyers
Eligible service members and veterans can often buy with no down payment and no private mortgage insurance. Bubba is a certified Military Relocation Professional who helps PCSing families plan around report dates and base commutes.
Where to buy
For sale now
Questions
It depends on the loan. Many conventional loans allow as little as 3% down, FHA loans 3.5%, and VA loans can require no down payment for eligible buyers. A lender can show you the options for your situation.
Buyers commonly budget roughly 2% to 5% of the purchase price for lender fees, title, recording costs, prepaid taxes and insurance. Your lender’s Loan Estimate gives you the exact figures.
Yes. Since August 2024, buyers sign a written agreement with their agent before touring homes. It spells out the services and how the agent is paid, and the terms are negotiable. We’ll walk you through it before you start.
Most financed purchases close about 30 to 45 days after a contract is signed. Cash purchases can close faster.
Yes, especially near the water. Flood zone and elevation affect insurance costs and sometimes lender requirements, so we check them early in due diligence.
Keep learning
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