Kristof Realty Group

	The 5 Most Frequently Asked Questions From Home Buyers

	Does having my own buyers agent cost me any money?
	Not with the Kristof Realty Group. We sign a contract with you that specifically states we represent you only in a transaction where the seller or the seller's agent pays our commission. And even though you are not paying us a dime, we represent you and your best interests throughout the course of the transaction.

	How much house can I afford?
	Everyone's situation is different. That is why we take the time to sit down with you, discuss your specific needs and your situation, identify possible beneficial loan programs and tax incentives, and calculate how much home you can afford.

	Is now a good time to buy?
	Buying a home is like obtaining any other investment. Just like the stock market, the real estate market is cyclical, and goes up and down. Right now we are in an "up" market, meaning purchase prices are high. However, you must factor in the reasons the market is "up". Low interest rates and many tax incentives just to name a couple.

	How long does the process take?
	There is no absolute answer. However for most buyers with reasonable priorities, and no significant financial difficulties, you can expect 60 to 90 days from our first meeting to moving into your new home.

	I don't have much of a down payment or my credit isn't that great. Can I still buy a home?
	Most likely, yes. There are many fantastic loan programs, grants, and tax incentives that can make it possible for you to buy home.