Everything You Need

Affordability depends on your income, down payment, credit score, and debt-to-income ratio. I work with trusted lenders who can give you a clear picture of what fits your budget. Most buyers are surprised by what they qualify for with the right guidance.

As a buyer, you typically don't pay the commission. Having a dedicated REALTOR costs you nothing and gives you an advocate who negotiates on your behalf, explains every document, and protects your interests. For sellers, a skilled agent helps you price correctly, market effectively, and negotiate the best terms.

The best time depends on your personal situation, not the headlines. I provide current market data for your target area so you can make an informed decision based on facts, not fear. If you find a home you love at a price that fits your budget, that's always a good time.

Closing costs typically range from 2-5% of the purchase price. This includes lender fees, title insurance, appraisal, inspection, and pre-paid taxes and insurance. I'll walk you through a detailed estimate before you make an offer.

I offer complimentary, no-obligation home valuations based on real market data, comparable sales, and neighborhood trends. Every valuation is backed by analysis, not guesswork. Let's have a conversation about your property.

Conventional loans typically require 620+, FHA loans may go as low as 580, and VA loans have flexible requirements. I work with lenders who can help you understand your options regardless of where your credit stands today.

Yes. VA loans offer 0% down for eligible military members, USDA loans are available in certain areas, and FHA loans require as little as 3.5%. There are also down payment assistance programs in Oregon and Washington that I can connect you with.

Both states offer excellent communities and schools. The right choice depends on your tax situation, commute, school preferences, and lifestyle priorities. I serve both states and can help you compare specific neighborhoods side by side.