Following the 2024 NAR settlement, buyer agent compensation is negotiated separately from listing commission. We sign a written buyer representation agreement upfront, so you know exactly what is owed and how it gets paid sometimes by the seller, sometimes built into your offer, sometimes out of pocket.

Plan on roughly 3% to 5% of purchase price for closing costs plus your down payment. FHA loans allow 3.5% down, conventional loans typically 5% to 20% down, and VA loans require zero down for eligible buyers. The calculator here projects your exact number.

Yes. In both Staten Island and New Jersey, sellers will not seriously consider an offer without a current pre-approval letter. I will introduce you to my preferred lender if you do not have one pre-approval typically takes 24 to 72 hours.

45 to 60 days from accepted offer to keys, with most of that timeline driven by mortgage underwriting (30 to 45 days). Cash offers can close in 14 to 21 days.

Always. A standard home inspection runs $400 to $700 and identifies issues you cannot see during a 30-minute showing. In NJ, the inspection happens during the post-attorney- review period. In NY, it happens before contract.