It depends on your loan type. Many buyers put down anywhere from 3%–20%. However, some programs allow less, especially for first-time buyers. I always recommend talking with a lender early so we can match your home search to real numbers.
Your comfort range is usually lower than your maximum approval. Monthly payment, lifestyle goals, and future plans matter more than the top number on a pre-approval letter.
Lake Oswego tends to favor sellers in well-priced, move-in-ready homes — but buyers still have opportunities, especially with strategic offers, flexible timing, and strong preparation.
There’s no perfect time — only the right time for you. If your finances are solid and your housing needs are changing, buying now often beats waiting for rates or prices to “come back.”
Plan for:
From offer to keys, most purchases take 30–45 days. Finding the right home can take weeks or months depending on inventory and priorities.
Yes — especially in competitive or higher-price markets. A skilled REALTOR® protects your interests, negotiates on your behalf, spots red flags, and manages the process so nothing falls through the cracks.
Online estimates miss key details. A true value comes from recent comparable sales, condition, location, and buyer demand. I provide a customized market analysis so pricing is strategic — not guesswork.
Often, yes — but not always. Small improvements (paint, lighting, landscaping) can bring strong returns. I help sellers prioritize changes that matter most and avoid over-spending.
Well-priced homes typically sell within a few weeks, though timing varies by neighborhood, season, and condition.
Common expenses include:
Staging isn’t mandatory, but professionally presented homes usually sell faster and for more money. Even light staging or styling guidance can make a big difference.
We compare price, terms, financing strength, and timelines — not just the highest number. My role is to help you choose the offer that’s most likely to close smoothly and maximize your outcome.
Yes — and it’s common. With proper planning (rent-backs, extended closings, or bridge strategies), we can coordinate both sides with minimal disruption.
As much or as little as you’d like. Some clients want every detail; others prefer a high-level overview. I adapt to your style while managing the heavy lifting behind the scenes.
I focus on clarity, preparation, and communication — helping people move into their next chapter with confidence, not chaos. My team of vetted vendors help us to determine repairs with confidence!
With a background in equity trading and a passion for negotiation, Susan brings sharp market insight, clear communication, and tireless energy to every real estate transaction. She listens closely, thinks creatively, and is driven to deliver exceptional results for you and your family—whether buying or selling. Partner with Susan for a smooth, strategic, and successful experience.