If you’re thinking about buying a home, you’re not alone — and you’re also probably carrying a lot of questions. With interest rates, prices, and headlines constantly changing, it’s completely normal to feel unsure about where to start.

Lately, I’ve noticed buyers asking the same few questions over and over again. If you’ve been wondering these things too, you’re in good company.

1. “How much house can I really afford?”

This is almost always the first question — and for good reason.

Most buyers know what a lender might pre-approve them for, but what they really want to know is what feels comfortable month to month. That means looking beyond just the purchase price and considering:

• Monthly mortgage payment
• Property taxes and insurance
• Utilities
• HOA fees (if applicable)
• Room in the budget for real life

The goal isn’t to stretch to the maximum — it’s to find a home that supports your lifestyle without adding financial stress. A clear, realistic budget makes everything else in the process smoother.

2. “What will this house actually cost me upfront?”

Another big concern is understanding the true cost of buying a home — not just the price on the listing.

Buyers are asking more questions about:

• Closing costs
• Inspections
• Appraisals
• Prepaid taxes and insurance
• Unexpected expenses

Knowing what to expect ahead of time helps avoid surprises and allows buyers to plan confidently. Transparency is key here, and having a clear breakdown early on can make the entire experience feel far less overwhelming.

3. “Is now a good time to buy, or should I wait?”

This question comes up in almost every conversation.

The truth is, there’s no one-size-fits-all answer. National headlines don’t always reflect what’s happening locally, and the “right” time to buy depends on factors like:

• Your personal timeline
• Job stability
• Long-term plans
• Local inventory and pricing

Instead of trying to time the market perfectly, many buyers find clarity by focusing on what works best for their situation — and understanding how the local market behaves, not just what the news is saying.

Buying a home is a big decision, and asking questions is not a sign of hesitation — it’s a sign you’re doing it thoughtfully.

If you’re in the early stages and just want honest answers (without pressure), starting with these three questions is a great place. When you understand your budget, the true costs, and your local market, everything else starts to fall into place.

If you’d like help talking through any of this, I’m always happy to be a resource.

Kelsey Bergey

RE/MAX Select Properties

507-251-0281