The Truth About RealtorsThe homebuying process often feels like a daunting maze for first-time buyers—endless paperwork, negotiations, and uncertainty. I’m passionate and fully dedicated
5 Smart Questions to Ask When House Hunting
Dated: December 3 2025
Views: 83
Frequently asked Questiones and Answers
Which homes am I able to afford?
Usually whatever keeps total housing around 25–30% of your gross monthly income.
Should I get mortgage preapproval?
Yes, it lets sellers know you are serious and sets a clear budget.
How much should I put toward the down payment?
Often 3–5% minimum, 20% to avoid mortgage insurance on many loans.
What other upfront costs are there?
Closing costs, inspections, appraisal, and moving; often 2–5% of the price.
What ongoing costs are associated with home buying ?
Mortgage, taxes, insurance, utilities, HOA (if any), and maintenance.
Do I really need a home inspection?
Yes, a home inspection is recommended to uncover hidden defects before you commit.
What is an appraisal and why is it needed?
A value check for the lender to confirm the price is reasonable
What should I worry about most in an older home?
When buying an older home its roof, foundation, plumbing, and electrical, are something to look into, and water damage is common. .
What is the first step in buying?
Take a look at your finances and determine a good price point then visit a lender so they can approve you for a loan..
How long does it take to buy a home?
Roughly 30–60 days from offer to closing.
What does a buyer’s agent do for me?
Finds homes, advises on value, negotiates, and guides you to closing.
How do I know if the price is fair?
By comparing similar sales and current market conditions.
Can I ask the seller to pay some costs?
Often yes; credits or concessions are negotiable in many deals.
What are contingencies in an offer?
“Escape clauses” like financing, inspection, and appraisal conditions.
What should I look for in a neighborhood?
Safety, commute, schools, amenities, and future development plans(especially this!)
If you have any other questions feel free to call or email me at
(850)866-7056
whatley@countsrealestate.com
Emily Whatley
Hi, I’m Emily Whatley with Counts Real Estate Group. Born and raised in Panama City, I grew up in a family of top-producing REALTORS®—both of my grandparents are multi-m....
Latest Blog Posts
Frequently asked Questiones and Answers Which homes am I able to afford?Usually whatever keeps total housing around 25–30% of your gross monthly income. Should I get mortgage
Emerald Coast Association of REALTORS®, Inc. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers
Listing data provided by: Central Panhandle Association of Realtors (CPAR)
Information deemed reliable but not guaranteed. The information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
