Whether you're a first-time homebuyer or upgrading to your forever home, Finley & Williams is committed to making your journey smooth, informed, and enjoyable.
Our Buyer Services:
Our Goal: To turn homeownership into a confident, joyful milestone — not a stressful transaction.
Please reach us at info@finleyandwilliams.com if you cannot find an answer to your question.
Getting pre-approved for a mortgage is the best place to start. It helps define your budget and shows sellers you're serious. We can connect you with trusted lenders.
Down payment varies based on the loan type, but many buyers put down between 3%–20%. Some programs allow as little as 0% down for qualified buyers.
Most loan programs require a minimum score of 580–620. The higher your score, the better your loan options and interest rates.
The process typically takes 30–60 days once you're under contract. The timeline can vary based on financing, inspections, and negotiations.
In addition to your down payment, you’ll have closing costs (2–5% of the purchase price), appraisal and home inspection fees, moving expenses, and possibly HOA dues.
Yes! Many buyers have debt. Lenders look at your debt-to-income ratio to determine what you can afford. We’ll help you understand where you stand.
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