Questions Buyers Ask Us

Less than most people expect. Conventional loans can start near 3% down, FHA around 3.5%, and USDA and VA loans can require nothing down — much of DeSoto, Marshall and Tate County is USDA-eligible. The right answer depends on your credit, income and the property, which is what a lender conversation settles in about fifteen minutes.

How buyer-agent compensation is paid changed across the industry in 2024, and it is now negotiated and written down before you tour homes. We will walk you through exactly what our representation costs, what the seller may or may not contribute, and you will sign a written buyer agreement before we start.

Yes. Our search resolves Mississippi school districts directly — Hernando, DeSoto County, Southaven and Olive Branch/Chickasaw among them — so you can browse by attendance area rather than guessing from a map. Start typing a district name in the search box and pick it from the suggestions.

Plan on roughly 2–5% of the purchase price for buyer closing costs, covering lender fees, title work, appraisal, inspections and prepaid taxes and insurance. Sellers sometimes contribute toward them, which is one of the things we negotiate for you.

Both are strong in this market. New construction means fewer immediate repairs and builder warranties, while established neighborhoods often mean mature trees, larger lots and more house for the money. We represent you either way — including at the builder’s table, where the on-site agent works for the builder, not for you.

Typically 30 to 45 days from accepted offer to keys, driven mostly by your lender. Cash purchases can close in two weeks. We keep the inspection, appraisal and title milestones on schedule so the date does not slip.