Answering Your Home Buying Questions
Purchasing a home is exciting—but the process can feel complex, especially if it’s your first time. Even repeat buyers benefit from a quick refresher on today’s market. Below are straightforward answers to the questions we hear most from Central Ohio buyers.
The better prepared you are, the more confident and competitive you’ll be when it’s time to make an offer. That’s where we come in.
Want more answers? Visit our full FAQ blog:
Real Estate FAQs: What Buyers & Sellers Ask Most
Q: I've never purchased a home before. Where should I begin?
A: Prepare behind the scenes before you look at listings. Start here:
- Check your finances: Review credit, income, and debts.
- Understand the market: Get familiar with pricing and neighborhoods in Central Ohio.
- Set a budget: Decide what monthly payment feels comfortable.
- Save early: Build funds for down payment, earnest money, and closing costs.
As your Trusted Real Estate Advisors, we’ll guide you through every step, protect your interests, and keep surprises out of the process.
Q: Which type of loan should I choose?
A: The right loan depends on your finances and long-term plans. Talk to a lender and get pre-approved before making an offer.
We recommend James Cockerill, Mortgage Loan Originator (NMLS# 674954) with Howard Hanna Mortgage Services. He can help you compare programs, secure pre-approval, and choose what fits best.
Connect with James ›
Questions to consider:
- How much can I put down?
- How long do I plan to stay in the home?
- Do I qualify for FHA, VA, or USDA programs?
Whether you use James or your own lender, we’ll coordinate the details and keep you informed at every step.
Q: How long does the home buying process take?
A: From pre-approval to closing, most transactions take 30–60 days after your offer is accepted. Timelines vary with inspections, appraisal, and loan type.
Q: What happens during inspections?
A: Licensed inspectors evaluate major systems and safety items. You’ll receive a report to help you decide on repair requests, credits, or moving forward as-is. We’ll advise on strategy.
Q: Can I buy if I’m self-employed or have non-traditional income?
A: Yes. Documentation differs (e.g., tax returns, P&L statements). A good lender will outline exactly what’s needed and how to structure your file.
Ready to Get Started?
Let’s set up your home buying consultation. We’ll clarify goals, review budget, and build a plan so you can buy with confidence.
Frequently Asked Questions About Buying a Home
- What should I know before starting my home search?
- Review finances, study the market, set a budget, and get pre-approved before searching.
- How do I pick the right mortgage loan?
- Compare FHA, VA, USDA, and conventional loans with a lender who understands your goals.
- How long does the process take?
- Most closings take 30–60 days after offer acceptance, depending on inspections and financing.
- What happens during inspections?
- Inspections identify issues so you can request repairs or negotiate credits before closing.
- Can I buy if I’m self-employed?
- Yes. Expect different documentation (tax returns, P&L, etc.). A lender will outline requirements.
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