Question 1

how much do I need for a down payment on a home

Accepted Answer

My lender has a program that gives $17,000 in down payment assistance at this time.

Question 2

What’s the first step in buying a home?

Accepted Answer

Get pre-approved for a mortgage. This helps you understand how much you can afford and shows sellers you’re a serious buyer. You’ll need to share financial documents such as pay stubs, W-2s, and bank statements with a lender.

Question 3

1. “How much is my home worth?”

Accepted Answer

Your home’s value depends on recent comparable sales, current market conditions, and the unique features of your property. A professional comparative market analysis (CMA) gives the most accurate estimate.

Expanded answer:  
I look at homes similar to yours that have sold recently, adjust for differences like upgrades or square footage, and factor in current buyer demand. That gives us a realistic price range. From there, we can decide on a pricing strategy that fits your goals — whether that’s selling quickly or maximizing your return.

Question 4

2. “How long will it take to sell my home?”

Accepted Answer

Most homes sell within 30–90 days, but timing depends on price, condition, and local demand.

Expanded answer:  
If your home is priced correctly and shows well, it can attract strong interest quickly. Homes in high-demand neighborhoods or price points often move faster. I’ll give you a timeline based on current market data in your area and what we can do to speed up the process if needed.

Question 5

3. “What do I need to do to get my home ready to sell?”

Accepted Answer

Declutter, clean, make minor repairs, and improve curb appeal. Staging can also help.

Expanded answer:  
Buyers form opinions fast. Small improvements — fresh paint, updated lighting, landscaping touch-ups — can make a big difference. I’ll walk through your home with you and create a prioritized list so you’re not overspending. The goal is to highlight your home’s strengths and remove distractions.

Question 6

4. “How much will it cost me to sell my home?”

Accepted Answer

Expect to pay agent commissions, closing costs, and any agreed-upon repairs or concessions.

Expanded answer:  
Typical seller costs include:

Realtor commission

Title and attorney fees

Transfer taxes (varies by state)

Potential repairs after inspection

Mortgage payoff, if applicable

I’ll give you a net sheet so you know exactly what to expect and what you’ll walk away with.

Question 7

5. “Is now a good time to buy or sell?”

Accepted Answer

It depends on your personal goals, finances, and the local market — not just headlines.

Expanded answer:  
Market conditions shift, but the right time is when it aligns with your needs. For sellers, we look at inventory levels and buyer demand. For buyers, we consider interest rates, affordability, and long-term plans. I’ll give you a data-driven picture of what’s happening in your specific area so you can make a confident decision.

Renee Cowan / Cowan Realty

Business Details

About

Location

Hours

Reviews

Frequently Asked Questions About Renee Cowan / Cowan Realty