Answers to the questions I hear most

Conditions in 2026 are more buyer-friendly than they've been in years — inventory is up, prices have softened slightly, and sellers are more open to concessions like closing-cost help and rate buydowns. The right timing still depends on your finances and goals, which is exactly what I help you think through.

It depends on the loan. Conventional loans can start around 3–5% down, FHA around 3.5%, and VA loans allow $0 down for eligible veterans. Try the affordability and mortgage calculators to see real numbers for your situation.

I prepare a comparative market analysis using recent sales of similar homes in your specific neighborhood, then factor in condition, upgrades, and current demand. In a balanced market, accurate pricing is what gets a home sold.

Typical seller costs include the agent commission, title and closing fees, and any agreed repairs or concessions. Use the seller net proceeds calculator to estimate what you'd walk away with, then I'll refine it for your situation.

If you have full entitlement, yes — you can buy with no down payment, and in 2026 there is no VA loan limit for full-entitlement borrowers. You'll still have closing costs, but those can often be offset with seller concessions, which I negotiate for you.

It's a one-time fee that keeps the program running — 2.15% of the loan for a first-time purchase with no money down (3.30% for subsequent use), and lower if you put money down. About one in three eligible veterans, including most receiving VA disability compensation, are fully exempt.

I work across the North Dallas suburbs: Frisco, McKinney, Prosper, Allen, Celina, Little Elm, and The Colony — from master-planned family communities to luxury estates.

As of early-to-mid 2026 the median sale price is around $670,000, with most homes selling between roughly $670K and $705K depending on neighborhood. I can pull current numbers for the exact area you're considering.