It depends on your loan type. Conventional loans typically require 3–20% down. FHA loans can be as low as 3.5% with qualifying credit. VA and USDA loans may require no down payment at all for eligible buyers. We’ll connect you with a trusted local lender who can walk you through all your options.

Most conventional lenders look for a score of 620 or higher. FHA loans can work with scores as low as 580 with 3.5% down, or even 500 with 10% down. That said, higher scores unlock better interest rates and lower monthly payments — so it can pay to spend a few months improving your score before applying.

Traditionally, the seller paid both agents’ commissions out of the sale proceeds. Recent changes in real estate rules mean buyers now sign a buyer’s agreement with their agent that outlines compensation. We’ll walk you through exactly how it works before we start — complete transparency, no surprises.

From first consultation to closing, most buyers are in their new home within 30–90 days. The search itself can take anywhere from a few days to a few months depending on your criteria and market conditions. Once an offer is accepted, closing typically takes 30–45 days to complete.

West Tennessee and North Mississippi continues to offer some of the best value in the state. Home prices remain affordable compared to national averages, inventory has stabilized, and Jackson in particular is seeing steady growth. We can give you a current market snapshot for any area you’re considering — just ask.

Closing costs are fees charged at the end of the transaction — things like lender fees, title insurance, appraisal, and prepaid property taxes. Buyers typically pay between 2–5% of the purchase price in closing costs. In some cases, you can negotiate for the seller to cover a portion of these costs.