Home Buying Resource

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Buying Strategy

Everyone starts somewhere right? If you're buying in 3 months or 3 years we can help.

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Stay knowledgable of our local real estate market.


The first step to buying a home. Get your pre-approval today with a local Tucson lender.


Frequently asked questions

Buying a house is a journey. If you’re looking to buy this year or in three I recommend you contacting me directly or talking with a mortgage lender. Share your goals and timeframes so you start with your best foot forward.

Closing costs vary widely based on where you live, the property you buy, and the type of loan you choose. Here is a list of fees that may be included in closing.  The list is inclusive of fees you may see, but it’s not likely that your loan will include all of the fees listed here.

  • Down payment
  • Application Fee
  • Appraisal
  • Home Owners Association Transfer Fees
  • Homeowners’ Insurance
  • Loan Discount Points
  • Origination Fee
  • Property Tax
  • Underwriting Fee
  • VA Funding Fee
  • Home Inspection

Typically, home buyers will pay between about 2 to 5 percent of the purchase price of their home in closing fees. So, if your home cost $150,000, you might pay between $3,000 and $7,500 in closing costs. On average, buyers pay roughly $3,700 in closing fees, according to a recent survey.

Your lender will give you a Loan Estimate for your loan, which will include what the closing costs on your home will be, within three business days of receiving your completed loan application. But these are just an estimate, and many of the fees listed can change. If they do change, you may receive a revised Loan Estimate so there are no surprises along the way.

When buying a home, your appraisal can play a role in determining if your lender will approve your loan. All lenders order an appraisal during the mortgage process in order to assess the home’s market value and make sure the borrower is not attempting to borrow more money than the house is worth.

If your appraisal comes in below the purchase price of your home, you may need to pay the difference in cash, lower the purchase price, or get a second opinion.

If you’re planning to finance your home with a mortgage, the first step is to get pre-qualified. Mortgage pre-qualification is a written statement from a lender stating the loan amount you would qualify for according to that lender’s guidelines. The determination and loan amount are based on your self-reported income and credit information.

Mortgage pre-qualification does not guarantee that you will get a mortgage. Before officially approving you for a mortgage, your lender will require documentation for your income and assets, and will require you to meet specific guidelines for the specific loan type that you’re applying for.

Our clients say

Mike is hands-down the best agent I have ever worked with. He's honest, communicative, and very responsive. He made the home buying process easy, and even fun! His knowledge of the market is amazing. He is incredibly responsive and went out of his way to make sure I had everything that I needed during the purchase process, and after as well. Wow! I wish every agent was as awesome as Mike!
Nancy Rynes
Mike is one of the most well rounded and grounded human beings I know! Its a bonus that he just so happens to be one of the most knowledgeable Real Estate Agents in Tucson! Thank you Mike for all your help and Knowledge you share! You always go above and beyond!
Dylan Martin
If you want to buy, this is the guy! He will go out of his way to do absolutely anything to get you the home of your dreams! No matter what was thrown at us during our buying experience, he was there to make sure it all went smoothly!
Taylor Scott
Mike is the definition of a professional! He was always there when we needed a walkthrough or had a question. Highly recommended!
Ryan Brady