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If your home appraises above the purchase price, that equity is not just a flex. You may be able to amend the contract & use that difference to reduce closing costs, buy down your rate, or in certain VA scenarios even pay off debt. Appraisal strategy matters more than most buyers realize. #homebuyertok #mortgagetok #valoans #realestatetips #firsttimehomebuyer
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Most buyers focus on the down payment… but that’s not the only cost of buying a home 👀🏡 If you’re buying in McKinney, Prosper, Celina, Frisco, Plano, or Little Elm, here are a few extra costs to plan for: Inspection: usually $350-$700 🔍 Appraisal: around $500-$800 📋 Closing costs/title fees: often 2-5% of the purchase price ✍️ Homeowners insurance & property taxes 💰 Future maintenance and repairs 🔨 The goal isn’t to scare you - it’s to prepare you. Knowing the numbers ahead of time helps b
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Most buyers think closing costs are “standard”… they’re not. They can vary based on: • Lender fees (application, processing, underwriting) • Discount points (buying your rate down or not) • Your credit score, loan type, and down payment • Third-party fees like appraisal, title, attorney, inspections 👉 Same loan, different lender = completely different numbers. And here’s what most people don’t realize… You may be able to have the seller cover a portion of your closing costs depending on your lo
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