Financing Your Home
Pre-qualifying, Pre-approval and Financing
Finding a home and buying a home are two very separate things. Buying a home starts with getting your financial house in order. Getting pre-qualified shows sellers that you are a buyer who can qualify for financing and it helps you establish a clear price range for buying a home.
Pre-qualification
is not a full mortgage approval, but a basic estimate of what you can afford in a home loan. Pre-qualification is sometimes confused with pre-approval, which is a more comprehensive analysis and commitment of a loan program for a buyer.
Simplify your loan process and get pre-qualified for a home loan. Along with the down payment available to you, the loan amount will determine what price range will work for you. Pre-qualifying helps you identify and resolve any issues you may encounter in your loan application.
Have A Question?
We are here to walk along side you through the entire buying process.
Send us a message and we will be glad to help find your perfect dream home!
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Frequently Asked Questions
Here are some of the common questions we hear from our customers.
BUYING RELATED QUESTIONS
How do I know if I’m ready to buy a home?
If you have stable finances, a clear idea of your needs, and are ready to settle in one location, you might be ready to buy. Brian can help you evaluate your readiness.
What is the first step in the home-buying process?
Getting pre-approved for a mortgage is a great place to start. It helps you understand your budget and shows sellers you're serious.
How much do I need for a down payment?
The amount varies, but many buyers put down 5%–20%. Some loan programs require even less. Brian can connect you with trusted lenders to explore your options.
What should I look for during a home tour?
Pay attention to layout, condition, and location. Consider future needs and potential red flags. Brian will help you identify key factors and ask the right questions.
Do I need a home inspection?
Absolutely. A home inspection helps uncover potential issues before you buy, giving you peace of mind or negotiation power.
SELLING RELATED QUESTIONS
How do I determine my home’s market value?
Brian offers a free comparative market analysis (CMA) to help you understand your home’s current value based on market trends and recent sales.
How long does it take to sell a home?
Timing varies depending on the market, pricing, and location. On average, homes in Paducah sell in 4 - 12 days. Brian and the team works to streamline the process and attract the right buyers quickly
What steps should I take to prepare my home for sale?
Declutter, clean, and make minor repairs. Brian also offers guidance on staging and professional photography to showcase your home at its best.
What costs should I expect when selling my home?
Typical costs include agent commissions, closing fees, and potential repair costs. Brian will provide a clear breakdown so there are no surprises.
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