In many cases, yes! Programs like USDA, VA, and HUD 184 (for Native buyers) can offer $0 down depending on eligibility, location, and credit guidelines. It’s not a myth — it just depends on your situation. I will get you in touch with the right lender to see which option fits you best.

Not always! The seller may offer compensation to the buyer’s agent, but it’s not guaranteed. Before we view a home, I will check the property’s terms so we know if compensation is being offered.

If it isn’t, we have options:

• We can ask the seller to offer compensation during negotiations

• You can choose to cover the commission at closing

• Or we can focus on homes where the seller is willing to compensate the buyer’s agent.

We’ll review everything in a Buyer Brokerage Agreement before showings so you know what to expect — no surprises.

I can show you most homes that are actively for sale in Oklahoma, including properties listed by other brokerages, as long as there is permission granted and we have a Buyer Brokerage Agreement in place.

Same day or next day in most cases— especially if you’re pre-approved.

Yes — and not because I’m trying to push you! A pre-approval protects you. It tells us exactly what price range is realistic, what programs you qualify for, and it strengthens your offer when we find a home you love. Sellers take pre-approved buyers more seriously, and it keeps us from falling in love with something that isn’t a match budget-wise.

Every situation is different, but here’s a simple breakdown:

• Earnest money: Usually 1% of the price (credited back to you at closing)

• Inspection costs: Paid upfront, varies based on home size

• Down payment: Depends on program (can be 0%, 3%, 3.5%, 5%, etc.)

• Closing costs: Can sometimes be negotiated with the seller or covered by grants

I’ll walk you through every cost before you spend a dollar.

Good! That’s what inspections are for. If issues come up, we can:

• Ask the seller to fix certain items

• Request repair concessions/credit

• Re-negotiate

• Walk away if needed (within inspection timelines)

Inspections are protection, not pressure. We’ll decide next steps together.

Closing costs are separate from your down payment and usually include: lender fees, taxes, insurance, title work, and more. Buyers typically pay, but seller contributions can sometimes be negotiated.

Earnest money is a deposit that shows the seller you’re serious. It’s held by the title company and then applied toward your closing costs or down payment at the end. If you cancel for a covered reason during your contract timelines (like inspections), it’s typically refundable. I’ll make sure you understand your protections.

Yes. Perfect credit is not required. Different loan programs have different guidelines, some are very forgiving for first-time buyers or buyers rebuilding credit. Let’s start with a lender conversation — you might be closer than you think.

On average: 30–45 days from contract to close, longer if we’re still shopping or waiting on pre-approval.

There’s no one-size-fits-all answer. It depends on your finances, your comfort level, and how quickly homes are selling in your area. Some buyers qualify to buy first, others need funds from their sale. We’ll talk through both strategies so you don’t feel rushed or homeless between moves.