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FAQ: Buyer Edition

Updated: Feb 1, 2020

You want to buy a house but you have questions..totally understandable. I am here to answer any of the questions that you have - Let's start with these frequently asked questions.

Q: What is the cost to work with a Realtor?

A: As a buyer, it does not cost you anything to work with a Realtor. The seller pays both the listing side and buyer side commissions when the transaction closes.

Q: Can I make an offer without being pre-approved?

A: In a competitive market, pre-approval is a necessity as it strengthens your offer and presents less risk to the seller if your purchase is reliant on obtaining financing.

Q: Should I talk to my bank about pre-approval?

A: Shop around for a home loan. That's right- shop! Consider the level of service & support that you will get from a local mortgage company vs a bank- as well as comparing interest rates.

Q: What does my credit score need to be get pre-approved?

A: Consult with the lender that you decided to work with. They will be able to counsel you on your financials, including your credit score.

Q: How much $$ do I need for a down payment?

A: Your down payment will vary depending on the loan type you choose. For example, FHA loan requires a 3.5% down payment, whereas a conventional loan you can put down 5% - 20%. If you qualify for VA benefits you could be eligible for ZERO down! Talk to your lender for further clarification.

Q: Can agents only show their own listings?

A: I can show you any listing on the market in Washington State!

What questions do you have about buying real estate in WA?

Leave a comment or email me directly at

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