Start by connecting with a licensed local real estate broker (like Northwest Properties). We’ll help you get pre-approved, define your goals, and create a customized home search plan.

Yes — a pre-approval shows sellers you’re a serious buyer and helps determine your true budget before touring homes. Here is a link to some of our preferred lenders

Typical down payments range from 3%–20%. The right amount depends on your loan program, credit, and goals. We can help you connect with trusted local lenders.

Closing costs include loan fees, title insurance, taxes, and other transaction expenses. They typically range from 2%–5% of the purchase price in Oregon and Washington.

In most cases, the seller covers the buyer’s agent commission, meaning our services are at no additional cost to you.

From accepted offer to closing, the process usually takes 30–45 days. This can vary based on financing, inspections, and negotiations.

Once accepted, you’ll enter the contingency period — completing inspections, appraisals, and final loan approval before closing.

Yes. We can help you coordinate buy-sell timing so your transitions are smooth — sometimes even closing both transactions on the same day.

Absolutely. A professional inspection helps identify potential issues before closing and gives you leverage to request repairs or credits.

Earnest money is a good-faith deposit submitted with your offer, typically 1–3% of the price. It’s credited toward your down payment or closing costs at closing.

Yes and No. Once the offer is accepted by the seller, you are both in a legal contract. However, if contingencies (like financing or inspection) aren’t met, you can usually cancel and retain your earnest money.

A strong pre-approval, flexible terms, and professional negotiation can make your offer stand out. We’ll help you craft a competitive strategy.

Yes! There are numerous loan programs that are specifically designed for first-time homebuyers as well as several Oregon and Washington programs offer down payment assistance and reduced-rate loans for qualifying buyers.

Property taxes vary by county. We’ll help you estimate taxes for any home and explain how they impact your monthly payment.

You’ll receive your keys, final documents, and a post-closing guide. We’re also here long-term for property reviews and market updates.