Buying a Home

You’ll learnHow an escalation clause works, with a hypothetical example

You’ll learnHow a renovation loan combines the home and the repair budget in one mortgage

You’ll learnThe difference between USDA guaranteed and Direct loans

You’ll learnHow banks, credit unions, non-bank lenders and mortgage brokers differ

You’ll learnWhat the declaration, bylaws, rules and architectural guidelines actually control

You’ll learnHow to sort inspection findings into safety, major-system and maintenance items

You’ll learnWhich loan types are generally assumable, and why most conventional loans aren't

You’ll learnWhy you must receive the Closing Disclosure at least three business days before closing

You’ll learnWhere the 2026 conforming loan limit sits, and why the loan amount (not the price) decides

You’ll learnWhy agents working through NAR-affiliated MLSs need a written buyer agreement before touring a home with you, and how state rules can add to that

You’ll learnWhat the final walkthrough is for, and why it is not a second inspection or a new negotiation