Tim Comes Real Estate

How much do I need for a down payment?

Less than you've been told. Conventional loans go as low as 3% down, FHA as low as 3.5%, and some loan programs allow 0% down for qualified buyers. 20% down isn't required, and putting less down isn't the wrong move. Private mortgage insurance (PMI) is often far less than renting. The right answer depends on your situation, and it's one of the first things we'll figure out together.

Is now a good time to buy?

Depends on your life, not the market. Trying to time the market rarely works. The "perfect" time to buy is usually when you have a stable income, a reason to put down roots, and enough saved for a reasonable down payment plus a buffer. Rate-wise, remember: marry the house, date the rate. You can refinance when rates drop; you can't buy at yesterday's price.

What does it actually cost me to work with you?

For buyers, we talk about representation and compensation up front. No surprises. For sellers, commission is negotiable and tied to the plan we build together. What I won't do is make you chase answers or find surprise fees at closing. Everything is on the table before we sign anything.

Do I need to be pre-approved before we look at homes?

Yes, and earlier is better. Pre-approval tells us your actual budget (not your guess), makes your offers competitive, and saves you from falling in love with homes outside your range. If you don't have a lender, I can connect you with a few I trust who match different situations.

How long does it take to sell a home in the Twin Cities?

Depends on price, condition, season, and pricing strategy. Well-prepared listings in the right price range can go in days with multiple offers. Overpriced or poorly staged homes can sit for months. The strategy matters more than the market, and pricing it right the first time is the single biggest lever you have.

Will I actually be working with you, or a team?

Me. Every call, every text, every showing, every negotiation. I keep my book intentionally lean so clients get my attention, not a handoff to an assistant. This is also why referrals are ~90% of my business. People know what they're getting, and they tell their friends.