📍 GENERAL BUYING PROCESS (Getting Started)
Why should I consider buying a home?
Buying a home is about creating stability, building equity, and having a space that’s truly your own. Whether it’s designing your dream interiors or putting down roots in a community you love, homeownership offers freedom and the opportunity to build generational wealth.
How do I know if I'm ready to buy a home?
If you’re thinking about homeownership, chances are you're already closer than you think. Being ready usually means having stable income, a manageable amount of debt, and the desire to invest in your future. I’m here to walk you through every step of the way so it doesn’t feel overwhelming.
What are the first steps to buying a home?
Step one is connecting with me. We'll discuss your goals, needs, and lifestyle. From there, I can connect you with trusted lenders to get pre-approved and help you begin your search strategically.
How much money do I need to buy a home?
There’s no one-size-fits-all answer. Down payments can range from 3% to 20% depending on the loan. There are also closing costs, but don’t worry — I help you plan ahead so there are no surprises.
What is a pre-approval and why do I need it?
A pre-approval shows sellers that you’re serious and financially qualified. It makes your offer stronger and helps us shop within your budget confidently.
Do I need a real estate agent to buy a home?
Absolutely — having an agent like me gives you an advocate who negotiates for you, protects your interests, and guides you step-by-step. It makes a complicated process much easier and less stressful.
How do I choose the right real estate agent?
Look for someone who listens, communicates clearly, and aligns with your goals. I take pride in my ability to connect with my clients and make the process seamless and personal.
What does Aayeesha Essue do to help home buyers?
Everything from connecting you with lenders, searching for homes, scheduling showings, negotiating offers, managing inspections and contracts, and staying by your side through closing — all while making the experience enjoyable and transparent.
Can I buy a home without a big down payment?
Yes! There are low down payment loans and first-time buyer programs that I can help you explore. Let’s discuss what fits your budget best.
How long does the home buying process usually take?
Every journey is unique, but from searching to closing, it can take anywhere from 30-90 days once you find the right home. I keep everything organized so you can focus on the excitement of the journey.
What’s the difference between pre-qualified and pre-approved?
Pre-qualification is a general estimate. Pre-approval is more in-depth, involving a lender’s review of your finances, which makes it much stronger when submitting offers.
How do I find out how much home I can afford?
I work with trusted lenders to help you determine your buying power based on income, credit, and financial goals — so you can shop confidently.
Is it better to rent or buy right now?
It depends on your personal goals. Buying can offer stability and long-term financial benefits. Renting is more flexible but does not build equity. I’m happy to help weigh your options.
What are closing costs and how much should I expect?
Closing costs include fees for escrow, title insurance, lender fees, and more — usually 2% to 5% of the purchase price. I help you estimate these upfront so nothing catches you off guard.
What’s included in the total cost of buying a home?
Beyond the down payment: closing costs, property taxes, homeowner’s insurance, and maintenance should all be considered. I make sure you see the full picture so you can plan wisely.
What types of mortgages are available?
From conventional and FHA to VA and jumbo loans, there are many options. I’ll connect you with mortgage pros who will find the right fit for your unique situation.
Can I buy a home if I’m self-employed?
Yes — though it may require more documentation, self-employed buyers can absolutely qualify. I’ll help you prepare and connect with lenders who specialize in this.
What if my credit score isn’t perfect?
No worries — many programs work with less-than-perfect credit. I can connect you with lenders who offer flexible options and help you strategize.
Can I buy a home with no money down?
There are a few programs, like VA or USDA loans, that allow for no down payment. Let’s talk through what’s available and see what you may qualify for.
What’s the difference between a buyer’s agent and a listing agent?
I represent you, the buyer — negotiating on your behalf and protecting your interests. The listing agent represents the seller. It’s always good to have someone in your corner.
When should I meet with a real estate agent?
As soon as you start thinking about buying. I offer free consultations and it’s never too early to strategize and prepare.
How do I know if now is a good time to buy?
Market conditions change, but your goals matter most. I’ll provide insight on the current market and help you decide if the timing is right for you.
Can I buy a home and sell my current one at the same time?
Yes — it takes careful planning, but I specialize in creating smooth transitions so your move is as seamless as possible.
How do I get started with Aayeesha Essue?
Simple, reach out via phone, text, or email. I’d love to meet and help you start your journey.
What happens in the initial consultation with Aayeesha?
I’ll get to know you and your needs, walk you through the buying process, and create a clear roadmap — so you leave our meeting feeling empowered and excited.
🔍 SEARCHING FOR A HOME
How do I start searching for homes?
First, let’s connect so I can fully understand your wishlist. From there, I’ll set you up with curated searches, insider access, and updates so you only see homes that make sense for your lifestyle.
What should I look for when viewing homes?
Beyond the aesthetics, pay attention to layout, location, condition, and natural light. I help guide you with a trained eye — and always remind you what aligns with your long-term goals.
How many homes should I see before making an offer?
There’s no magic number — for some it’s love at first showing, for others, it takes time. I ensure every showing is intentional, so no time is wasted.
What is the MLS?
MLS (Multiple Listing Service) is a database that agents use to share properties. I use it — plus off-market sources — to make sure you have access to every possibility.
Can you help me find homes not listed online?
Absolutely — and this is where working with me makes a real difference. I’m part of the Top Agent Network, an invitation-only community of top-producing real estate agents. This gives my clients exclusive access to listings and opportunities before they ever hit the broader market. I also leverage my personal network, strong industry relationships, and insider knowledge to get you in the door ahead of the crowd. When it comes to finding hidden gems or moving quickly in a competitive market, this advantage is priceless.
What if I find a home on Zillow or Redfin?
Send it to me! I’ll do the homework to confirm if it’s still available and help arrange a showing, while ensuring you have all the details the online sites don’t provide.
Can I buy a new construction home?
Yes — I help with new builds all the time. I’ll even liaise directly with developers and ensure your interests are protected throughout the process.
How do I know what neighborhood is right for me?
By having real conversations about your lifestyle. From commute times to school districts to vibe — I help you weigh what matters most to you.
Can I buy a home out of state?
Yes! I assist buyers relocating, and through my extensive network at The Agency, I connect you with trusted local experts wherever you’re going.
What should I avoid when looking for a home?
Emotional decisions. It’s easy to get swept up, but I help you focus on the right mix of beauty, function, and value.
How can I tell if a home is overpriced?
I provide data-driven market analysis so you’ll always know what’s fair and when to negotiate.
What’s the difference between a condo, townhouse, and single-family home?
Condos share walls and common areas, townhomes usually share walls but have more independence, and single-family homes are fully detached. I help you decide what fits your lifestyle.
Can I get alerts for new homes that meet my criteria?
Of course — I will set up tailored alerts so you never miss a great option.
How do school districts affect home values?
A lot. Even if you don’t have kids, good school districts often hold property value better. I help you weigh how important that is for your goals.
Can I bring friends or family to showings?
Absolutely — I encourage it. Buying is emotional and having trusted opinions helps.
How many homes will I see in person?
That’s up to you — I work at your pace and ensure each visit is meaningful.
Do I need to be pre-approved before house hunting?
Yes — this ensures we focus on homes within your budget and makes you ready to make offers quickly.
What happens if I find a home I love but can’t afford?
I help find creative solutions — whether it’s negotiating, finding better financing, or identifying alternative homes that check the same boxes.
What’s the best way to make my search more efficient?
Clear communication. The more we refine what you love and don’t love, the more precise and productive our search becomes.
How do I schedule a tour with Aayeesha?
Just call, text or email me! I make myself available and work around your schedule.
💰 FINANCING AND BUDGETING
What’s the minimum credit score for a mortgage?
Typically 620 for conventional loans, but there are programs for lower scores. I help connect you to lenders who work with all types of buyers.
How much should I save for a down payment?
Anywhere from 3% to 20% is common, but this varies by loan type. I help plan upfront so you know exactly what’s needed.
Can I use gift funds for my down payment?Yes — many lenders allow this, especially for first-time buyers. I can guide you and your lender to handle it properly.
What are lender fees?
These are costs associated with your loan — processing, underwriting, and sometimes points. I help you review them carefully so you’re aware.
Can I negotiate interest rates?
Sometimes — I connect you to lenders who offer competitive rates and help review your offers carefully.
What is PMI (Private Mortgage Insurance)?
Private Mortgage Insurance is required when your down payment is below 20%. It’s just part of the cost of leveraging financing — and can be removed later in many cases.
How do I get pre-approved for a mortgage?
I connect you with trusted local lenders who will make the process smooth and efficient.
Do I need a mortgage broker or lender?
You can use either — brokers shop rates, lenders issue loans directly. I help you find the best fit based on your needs.
What is an escrow account?
An account managed by a third party that holds funds until certain conditions are met — ensuring both buyer and seller are protected.
How does my debt-to-income ratio affect my loan?
Your DTI impacts your loan approval. I work closely with lenders to help you understand your numbers and make sure they align.
Can I get assistance as a first-time homebuyer?
Definitely — many programs offer grants, reduced interest rates, and more. I make sure you know your options.
What are points on a mortgage?
Points lower your interest rate upfront. I help you decide if paying points makes sense for your long-term plans.
What’s the difference between fixed and adjustable-rate mortgages?
Fixed stays the same, adjustable changes after a period. I help you decide based on how long you plan to stay in the home.
Should I get pre-approved before meeting with Aayeesha?
Our first chat can help get you started and I’ll guide you to pre-approval when ready.
Will applying for a mortgage hurt my credit score?
A little — but pre-approvals are worth it. I make sure your lender pulls at the right time.
What documents will I need to apply for a mortgage?
Usually income verification, taxes, ID, and assets. I help prepare a checklist so it’s easy.
Can I buy a home with student loan debt?
Yes — as long as your debt-to-income ratio is in line. I help you navigate these nuances.
What happens if mortgage rates go up while I’m shopping?
I help coordinate with lenders on when to lock rates and make sure we act strategically.
When should I lock in my mortgage rate?
Once your offer is accepted. I help you time this to minimize risk.
Can I afford a home with my current income?
If you’re asking, that’s a great start. I work with you to review income, expenses, and goals so the answer is clear and realistic.
📝 MAKING AN OFFER
How do I know how much to offer?
I research comparable sales and market conditions to recommend strong, smart offers.
What happens after I make an offer?
It’s submitted and we wait for the seller’s response — I keep you informed every step.
What is earnest money?
A deposit showing you’re serious. I guide you on amounts and timelines.
Can I back out of an offer?
Depending on contingencies — yes. I help you understand your protections.
How long does a seller have to respond to an offer?
Typically 24-72 hours but varies. I always follow up and keep you in the loop.
What is a counteroffer?
When the seller proposes changes — I help you negotiate effectively.
What happens if there are multiple offers?
I craft strategic, competitive offers to help you stand out.
Can I make an offer without seeing the home in person?
It’s possible, though I always recommend seeing in person or virtually first.
What contingencies should I include in my offer?
Inspections, appraisal, financing — I help customize them to protect you.
What is an appraisal and who pays for it?
A professional valuation. Usually paid by the buyer and essential for loans.
Can I negotiate the price after the inspection?
Yes — if issues arise, I help you renegotiate terms or repairs.
What happens if the appraisal comes in low?
I help navigate next steps — from price negotiations to appeal or alternative financing.
How long does the offer process take?
Usually a few days from offer to acceptance — I keep the process organized and efficient.
Can I make offers on more than one property?
Yes — but it’s strategic. I help you weigh pros, cons, and etiquette.
Should I waive contingencies to win a bidding war?
Sometimes necessary in hot markets — I help you make informed, smart decisions.
What happens if the seller rejects my offer?
We move on — I stay positive and continue to work tirelessly for you.
How do I submit an offer through Aayeesha?
Always — I handle all negotiations and paperwork with care.
Can Aayeesha help me make my offer more competitive?
Yes — I leverage pricing, terms, and relationships to help your offer shine.
🏠 UNDER CONTRACT / ESCROW
What happens after my offer is accepted?
Once your offer is accepted, we officially open escrow. I handle all of the coordination — from scheduling inspections to managing paperwork — so everything stays on track and stress-free for you.
What does “under contract” mean?
It means the seller has accepted your offer, but the sale isn’t final yet. During this time, we complete inspections, negotiate repairs if needed, and work toward closing. I stay on top of every step.
What is escrow?
Escrow is a neutral third party that holds funds and ensures all conditions are met before money and property change hands. I help make this smooth and transparent.
What is a home inspection?
A licensed inspector checks the home’s condition — from roof to foundation. This protects you and helps us identify any potential concerns before finalizing the deal.
Do I need to be at the home inspection? It’s optional, but I recommend it. It’s a great chance to learn about your new home. I’m always there with you to ask the right questions and make sure nothing is missed.
What happens if issues are found during inspection?
If issues arise, don’t worry — I help negotiate solutions, whether it’s repairs, credits, or price adjustments. You’ll never face these moments alone.
Can I negotiate repairs after the inspection?
Yes — and this is where having me in your corner matters. I handle these negotiations with care and expertise to protect your best interests.
What happens if the seller won’t make repairs?
You have options. I help you weigh them carefully — whether it’s moving forward as-is, asking for credits, or walking away if it doesn’t feel right.
What is a title search?
This ensures the seller has the legal right to sell the home and that there are no hidden liens or claims. I work closely with the title company to protect your ownership.
What does title insurance cover?
It protects you from potential ownership disputes or undiscovered issues that could come up after closing. It’s a must, and I make sure you’re covered.
What is a closing disclosure?
This document details your final loan terms and closing costs. I help you review it thoroughly so everything is crystal clear before signing.
How long does escrow usually take?
Typically 30 to 45 days, depending on the agreement. I stay on top of deadlines and keep everything moving so you can plan with confidence.
Can I move in before closing?
Usually no — but if needed, I can negotiate options with the seller. I always advocate for what’s best for you while keeping your interests protected.
When do I need to get homeowner’s insurance?
Before closing. I help you coordinate this so there’s no gap in coverage
What is a final walkthrough?
It’s our chance to confirm the home’s condition right before closing. I’ll be with you to make sure everything agreed upon has been completed.
What happens on closing day?
You’ll sign final documents and funds will be transferred. Once complete, the keys are yours — and I’ll be right there to celebrate this huge milestone with you!
What should I bring to closing?
Typically a valid ID, any outstanding funds (wired in advance), and excitement. I help prepare you so nothing gets missed.
When do I get the keys?
Usually right after the deal is recorded — often later the same day or next morning. I make sure you know exactly when to expect them.
Can Aayeesha be with me at closing?
Always — if you’d like me there, I’m by your side. I make sure you feel confident and supported from start to finish.
What if something goes wrong before closing?
That’s why I’m here. I proactively manage the process, solve issues, and communicate constantly — so you can relax knowing I’m on top of everything.
📦 MOVING AND AFTER CLOSING
When should I start packing?
Once contingencies are removed, it’s a good time. I help guide you so your move-in is perfectly timed and stress-free.
How do I set up utilities?
I provide a full checklist with local providers and timing recommendations so everything is ready when you move in.
Do I need to change my address before closing?
Yes — it’s smart to start this a week or two before closing. I remind you of all these small but important details.
What should I expect after moving in?
Joy — but also normal settling-in moments. I’m available even after closing to help with resources and referrals as you make the house your home.
What if I have issues after closing?
Call me! I’m your resource long after the sale. Whether it’s warranty issues or local service providers, I’ll help however I can.
Can Aayeesha help with local service providers?
Absolutely — I have a trusted list of local pros for everything from painters to landscapers.
How do property taxes work after I move in?
They’re paid semi-annually and often rolled into your mortgage. I’ll help you understand your tax schedule so there are no surprises.
What’s the best way to maintain my new home?
I can connect you with helpful guides and local pros so you stay on top of maintenance and protect your investment.
How soon can I refinance?
Usually after six months to a year. I help you connect with lenders if refinancing becomes a smart option later.
Should I consider getting a home warranty?
It’s worth considering — especially for peace of mind in the first year. I help you review options.
Can I rent out my home later?
Yes — once you meet loan requirements and local regulations. I help guide you if that becomes part of your future plans.
Can I buy another home in the future with Aayeesha?
Of course! Many of my clients become lifelong partners — and I’m always honored to help with your next chapter.
📅 BOOKING AN APPOINTMENT WITH AAYEESHA
How can I schedule a meeting with Aayeesha?
Easy — call, text, or email me anytime. I’m flexible and responsive.
What happens in the first meeting with Aayeesha?
We get to know each other, discuss your goals, and map out a clear, personalized plan to get you started.
Can I meet virtually or in person?
Whichever works best for you — I’m happy to meet online or face-to-face depending on your comfort and schedule.
Is there a cost to meet with Aayeesha?
Not at all — our initial consultation is complimentary. I’m here to educate, connect, and see if we’re the right fit.
How soon should I meet with Aayeesha to start my home search?
As soon as you’re curious or ready to explore your options — even if buying is months away. Planning early is always smart.
📊 REAL ESTATE MARKET
MARKET OVERVIEW
Is now a good time to buy a home?
For many, yes. Every market offers opportunity, and I help you strategize based on your goals — not just market headlines.
What’s happening in the real estate market right now?
Inventory, rates, and demand shift constantly. I provide timely, local insight so you make informed decisions, not emotional ones.
How does the local market affect home prices?
Location is key. I help you break down each neighborhood’s trends so you understand true value and investment potential.
Is the market favoring buyers or sellers right now?
It shifts often. That’s why having me in your corner matters — I craft smart strategies based on where we stand today.
What’s the difference between a buyer’s market and a seller’s market?
A buyer’s market means more supply and negotiating power. A seller’s market is faster-paced with competition. I help you succeed in either.
How often do home prices change?
Weekly in hot markets, quarterly in stable ones. I stay on top of trends so you always have the latest insight.
How do interest rates affect home buying?
Higher rates impact affordability, but often create negotiating opportunities. I help you balance both sides.
Will home prices go down soon?
No one can predict perfectly, but waiting can mean missed opportunities. I help you decide what’s right based on your lifestyle and financial picture.
Should I wait for the market to change before buying?
Timing is personal. I’m here to help you weigh current options vs. future uncertainty so you feel confident in your choice.
How competitive is the market right now?
Some areas are very competitive, others are quieter. I provide hyper-local insight and use my Top Agent Network advantage to stay ahead.
LOCAL INSIGHTS
Are there areas where homes are more affordable?
Yes — I know hidden gems and up-and-coming pockets that offer fantastic value. Let’s explore what fits your budget and goals.
What neighborhoods are up-and-coming?
Trendy, emerging areas shift often. I’m plugged in and share real-time insight on where buyers are flocking (and why).
Are homes selling quickly in this area?
Some areas, yes. I’ll help you act quickly and strategically where needed.
How do seasonal trends affect the market?
Spring and summer are busier, but deals happen year-round. I help you navigate timing to your advantage.
What makes this market different from others?
Lifestyle, weather, and demand create unique dynamics here. I help you understand how these impact buying smartly.
Is it cheaper to buy new construction or resale homes right now?
Each has benefits — new is turnkey, resale may offer charm and better pricing. I help you decide based on your goals.
How do I stay informed on local market trends?
Working with me means constant updates — market stats, new listings, and tailored guidance right to your inbox.
How can Aayeesha help me navigate this market?
I simplify everything — from market education to strategic offers to navigating escrow. I’m here for every step, big or small.
Can Aayeesha provide a custom market report for my area of interest?
Absolutely — I create detailed, easy-to-understand reports for your desired areas so you make educated decisions confidently.
