Nicole Serviss

Yes, you can often use family gift funds for your down payment, but the lender has to see it documented correctly. They usually need a gift letter from your family member and proof of the transfer into your account. Each loan program has slightly different rules, so check with your lender to make sure the funds are set up the right way.

Yes, in many cases family can contribute toward a temporary mortgage buydown, but it has to be structured the way your lender requires. Usually the funds are treated as a gift, which means they'll need a gift letter and proof of the transfer. Because loan programs each have different rules, your lender is the one who decides exactly how the money can be applied. Be sure to tell them upfront that the funds are for a buydown so they can guide you through the correct paperwork.

Buying a home sight unseen is possible, but it takes the right plan and the right agent. Start by choosing a local Realtor who specializes in relocation so they can be your eyes and ears on the ground. Most of my relocation clients rely on virtual showings, detailed videos, and clear communication to feel confident in their choice. You'll also want to: Get fully pre-approved before you shop Use detailed inspections to understand the home's condition Rely on your agent for neighborhood insight, school info, and resale potential Coordinate with your lender and title company so closing can happen before your move date I've helped families move this way successfully. With the right support team, you can close from a distance and arrive ready to walk into your new home.

Yes, you can buy a house in California even if you are not a resident. Many people purchase second homes or investment properties in other states. Buying a home does not automatically change your residency, but how much time you spend there could affect things like taxes, driver's license, and voter registration. Because residency rules vary, it is always best to confirm the details with a tax professional or attorney before you make a move.

Selling and buying at the same time is very common, and there are a few ways to approach it. Some people sell first so they know exactly what they can spend on the next home. Others buy first using options like a bridge loan, a home equity line, or a contingent offer. The right path depends on your finances, timeline, and comfort level. As your agent, I would walk you through the numbers with a net proceeds sheet, explain your loan options, and help you coordinate both closings so the transition feels smooth. With the right plan, you can move from one home to the next without unnecessary stress.

That's a great place to start. Buying your first home begins with getting pre-approved so you know your budget and loan options. From there, you'll choose a local Realtor who can guide you through touring homes, writing offers, inspections, and closing. Key factors include saving for your down payment and closing costs, understanding your credit and monthly payment comfort, and working with trusted professionals: a lender, Realtor, home inspector, and other specialists depending on the home you are purchasing.

It depends on the specific terms of the buyer's contract you signed. Many buyer agreements include a time frame, geographic area, and sometimes a termination clause. Some also only apply to homes introduced by that agent. Your best next step is to review the agreement and have an open conversation with your agent. In many cases, contracts can be modified or ended by mutual agreement. If the situation involves a personal connection and a unique opportunity, most agents are willing to discuss options and find a fair solution.

In most cases, yes, a home inspection is strongly recommended. An inspection helps you understand the condition of the home and identify potential issues before you finalize the purchase. It can also give you the opportunity to negotiate repairs or credits. Some buyers choose to skip inspections in very competitive markets, but that comes with added risk. I always encourage buyers to understand what they are taking on before making that decision so there are no surprises after closing.

Getting the most money starts with the right price and strong presentation. A detailed market analysis helps position your home to attract the highest number of qualified buyers, which often leads to better offers. Simple improvements like decluttering, minor repairs, and professional photos can also make a big difference. I also recommend understanding your net proceeds upfront so you know how pricing and negotiation affect your bottom line. With the right strategy and marketing plan, sellers are often able to maximize their return without overpricing and risking longer days on market.

Yes, it can be possible to buy a HUD home with very little down payment, but you still have to meet the lender's loan requirements and the specific HUD program you use. One option is the HUD $100 down program, which lets eligible buyers make a very small down payment on certain HUD-owned properties if they use an FHA loan and meet income and credit guidelines. You still have to finance the rest of the purchase price and pay closing costs, and the home is sold as-is, so you should be prepared for repairs and inspections. In Georgia, there are also down payment assistance programs such as the Georgia Dream Homeownership Program, which can help with part of your down payment or closing costs through a low-interest or deferred loan if you qualify as a first-time homebuyer. You may find local programs in your county or city that offer additional help.

Many remote workers find big savings by choosing medium-sized cities with lower housing and living costs. Some popular affordable places include Boise, Idaho, Greenville, South Carolina, Knoxville, Tennessee, Fayetteville, Arkansas, Rochester, New York, and Wichita, Kansas. These cities have housing costs below national big-city averages and offer good access to jobs, amenities, and outdoor recreation. When looking for an affordable area consider median home prices, property taxes, local income levels, commute and internet access. Smaller metro areas like Tulsa, Oklahoma and Huntsville, Alabama also offer strong community feel and cost savings. Research regional job markets, quality of life, and housing inventory to find the best fit for your budget and lifestyle.

A home appraisal typically costs between $400 and $700, depending on the location, size, and complexity of the property. Larger homes, rural properties, or unique features can increase the cost. The appraisal fee is usually paid by the buyer as part of the loan process, though in some cases it can be negotiated in the contract.

You can ask the agent if they are accepting backup offers. A backup offer puts you next in line if the current deal falls apart due to financing, inspection, or other issues. If you are very interested, having your own agent contact the listing agent is usually the best approach. They can find out the status, whether backups are being considered, and help you decide if it is worth pursuing or if similar homes may be a better use of your time.

On average, it takes about 30 to 60 days to sell a home, but the timeline can vary. The first part is preparing and listing the home, which usually takes one to two weeks. Once listed, the home may go under contract in days or it may take longer depending on price, condition, and market demand. After an offer is accepted, escrow typically lasts about 30 to 45 days before closing. In strong markets, the process can be faster, while in slower markets it may take a bit longer. I always help sellers plan their timeline so there are no surprises.