Frequently Asked Questions

Your office is in Kearney, Does that mean you only service the Kearney area?

No, I am licensed in Kansas and Missouri, so I can sell in both states.


You work for RE/MAX, does that mean you only show RE/MAX homes?

No, I can show any home for sale including For Sale by Owners with the approval of the owners.


Do I need 20% for a down payment?

No, there are different types of loans for everyone.  FHA loans only require 3.5% down.  Make sure to talk to your lender about which loan type works best for your needs.


What is the first step?

The first step towards buying a home is getting pre-approved with a mortgage lender.


How long does it take to buy a home?

The average real estate transaction is about 30-45 days long.  That is from the contract date, to the close.  That does not include searching for homes and viewing homes.  


What is earnest money?

Earnest money is made in good faith to demonstrate - to the seller - that the buyer’s offer is genuine. Earnest money essentially takes the home off the market to anyone else and reserves it for you.  It is usually deposited in a third party escrow account.


Should I do a home inspection?

Yes, home inspections aren't required, but for peace of mind you should get one.  They are trained to find things that may be missed when viewing the home and can save you a lot of money in the long run.


What are closing Costs?

Closing costs are expenses incurred by buyers and sellers for transferring ownership.  They can include building escrow accounts for pre-paid insurance and taxes for the home.  


What is a broker?

A broker is someone who owns/runs the real estate agency.  Typically that broker can designate another agent to work with you, but the broker technically represents you.


Why should I use a real estate agent?

An agent is more than just a salesperson and someone who opens doors to let you view a home.  A real estate agent provides advice and guidance in markets that are always changing.  They negotiate with your best interests at mind and protect you.