Question 1

Do I need 20% down to buy a home?

Accepted Answer

No — many buyers are surprised to learn that 20% down is not required.

Depending on your situation, there may be loan programs available with much lower down payments. Our lending team works with 16+ national banks to help find financing options that fit your budget and goals.

We’ll help you understand what you qualify for and what makes the most sense for your financial future.

Question 2

Is now a good time to buy a home?

Accepted Answer

The best time to buy depends on your personal situation — not just the market.

Interest rates, home prices, and inventory are always changing, but what matters most is whether the timing works for your financial goals and family plans.

Our team will help you analyze the market, explore financing options, and determine if buying now or waiting makes the most sense for you.

Question 3

Can you help me with my mortgage as well?

Accepted Answer

Yes. One of the biggest advantages of working with Real Team Realty is our partnership with RT Lending

This means your real estate and financing teams work together to make the process smoother and faster. Instead of searching for a lender on your own, we can help connect you with competitive loan options and guide you through the entire process.

Having both teams aligned often helps our clients avoid delays and make stronger offers.

Question 4

Can I buy a home and sell my current one at the same time?

Accepted Answer

Yes — and many of our clients do exactly that.

Our team will help you create a strategy so the timing works in your favor. Depending on your situation, this could include selling first, buying first, or coordinating both transactions together.

Because our agents handle many transactions each year, we have the experience to guide you through this process with less stress.

Question 5

What happens to my house if I have to leave the country?

Accepted Answer

You still have options.

If you need to move or leave the country, our team can help you decide whether selling, renting, or managing the property makes the most sense.

We’ve helped many families navigate situations like this and can guide you through the process so your investment continues to work for you.

Question 6

Are there first-time homebuyer programs with low or 0% down?

Accepted Answer

Yes — there are programs designed to help first-time buyers, including options with low down payments and, in some cases, even 0% down.

That said, it’s important to understand that putting money down can make your offer stronger and more competitive, especially in today’s market. Sellers often view buyers with a down payment as more secure, which can give you an advantage when competing for a home.

If you do have the ability to put money down, we typically recommend it as part of a strong overall strategy.

However, if you don’t, there are still great programs available. We work with trusted, preferred lenders to help explore options that fit your situation and guide you toward the best path forward.

The best way to know what you qualify for is to have a quick conversation with our team

Question 7

Can you help people buy a home with an ITIN?

Accepted Answer

Yes. Our team has helped many families purchase homes using an ITIN instead of a Social Security number.

Our preferred lenders work with multiple local and national banks that offer ITIN loan programs. We’ll walk you through the requirements, help prepare your documents, and guide you through the entire process so you can buy with confidence.

Every situation is different, so the best first step is to schedule a quick consultation with our team.

Question 8

How do I schedule an appointment?

Accepted Answer

Scheduling an appointment is easy.

You can fill out the contact form on this page, call our office, or send us a message on social media. One of our team members will reach out to learn more about your goals and help you plan your next steps.

Real Team

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