Buying? Start With These 5 Questions

1. How much house can I actually afford?

The honest number comes from a lender looking at your real income and debts — not a calculator on the internet. If you don't have a lender, Kim connects you with a good local one. No obligation, and it takes one conversation.

2. How much cash do I need up front?

Your down payment plus closing costs — and it's often less than people fear. How much depends on the loan you qualify for. That's exactly what the pre-approval conversation answers, in real numbers, before you fall in love with a house.

3. Do I need a pre-approval before we look?

Yes — and it's not red tape. Sellers take pre-approved buyers seriously, and in a competitive moment it's the difference between your offer being read or skipped. Kim won't waste your Saturdays touring homes you can't bid on yet.

4. How long from "that's the one" to holding the keys?

Usually about 30 to 45 days once an offer is accepted. Kim keeps the escrow moving — inspections, appraisal, lender paperwork — and tells you what's happening while it happens, not after.

5. What does it cost me to have Kim as my agent?

You and Kim agree on it in writing before you tour a single home — that's the rule now, and it's a good one. In many sales the seller offers to cover the buyer's agent as part of the deal; either way, it's part of the negotiation she handles for you, and you'll never be surprised by it.

Ready when you are: Book a free consult — tell Kim what you're looking for and she'll pull homes that actually fit.