Homebuyer & Mortgage Questions

Get straightforward answers from John Pyne to common questions about buying and financing a home. Explore guidance on mortgage pre-approval, down payments, loan options, closing costs, credit, and the homebuying process.

What Are Seller Credits and How Can They Be Used?

October 1, 2026

Can I Use a Gift for My Mortgage Down Payment?

September 16, 2026

What Does It Mean to Buy Points on a Mortgage? Temporary vs. Permanent Buydowns

October 1, 2026

What Happens After My Offer Is Accepted? A Step-by-Step Guide for Homebuyers

July 29, 2026

What Credit Score Do I Need to Buy a Home?

July 29, 2026

How Much Down Payment Do I Need to Buy a Home?

July 29, 2026

How Much House Can I Afford?

July 29, 2026

What Is a Fully Underwritten Pre-Approval? Why It Gives Homebuyers a Competitive Advantage

July 20, 2026

Home Inspection vs. Appraisal: What’s the Difference?

September 16, 2026

Can You Buy a Home If You Have Student Loan Debt?

July 16, 2026