Frequently asked questions

Your home affordability depends on your income, debts, credit score, down payment, and current interest rates. Most lenders look at your debt-to-income ratio to determine what you qualify for, but what you qualify for and what you’re comfortable paying monthly can be very different. I always help buyers review realistic monthly payments, not just the loan amount, so you can buy confidently without feeling house-poor.

Yes — and it’s one of the most important first steps in the home-buying process. A pre-approval shows sellers that you’re a serious, qualified buyer and gives you a clear budget before you start shopping. It also helps you move quickly and competitively when the right home hits the market, especially in multiple-offer situations.

Your home’s value is based on recent comparable sales, current market conditions, buyer demand, location, condition, upgrades, and neighborhood trends. I use real-time local data — not just online estimates — to create a pricing strategy that positions your home competitively to attract strong offers while protecting your bottom line.

Not every repair or renovation is necessary before listing. I’ll help you identify which updates will actually bring a return on investment and which ones you can skip. Often, small changes like decluttering, paint, lighting, and curb appeal can have a bigger impact than expensive renovations.

A strong investment property depends on your goals — whether that’s monthly cash flow, appreciation, or a mix of both. Key factors include purchase price, rental demand, location, property condition, operating expenses, and long-term neighborhood growth. I help investors analyze realistic numbers so they can make smart, data-backed decisions instead of guessing.