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Real Estate FAQs for Central PA Buyers

How much do I need for a down payment on a home?

Not as much as you might think! While 20% down is the number you hear most often, many of my clients put down much less. Some conventional loans go as low as 3%, and FHA loans are just 3.5%. We’ll look at your options together so you can keep more cash in your pocket for moving costs, updates, or just life.


💬 Ready to see exactly what your numbers could look like? [Let’s Chat →]

What’s the difference between pre-qualification and pre-approval?
How does my credit score affect my mortgage rate?
What are closing costs, and how much should I expect to pay?
How long does the homebuying process usually take?

Can I buy a home if I’m self-employed or have irregular income?

What’s included in my monthly mortgage payment?

What is a 2-1 buydown, and how does it work?

Who pays for the 2-1 buydown—the buyer, the seller, or the lender?

REVIEWS

Madison was incredible to work with. I never thought I would be able to own a house in the current market and she made that a reality for my family. She made the process as a first time home buyer so smooth and it is apparent how much she truly cares for her clients. We will absolutely be working with her again in the future!

Madison Harner