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Not always. Many buyers qualify for home loans with much less down, I only put 5% down on my first home, others have put as little as 3% or even 0% down depending on the type of loan. There are also down payment assistance programs in Utah that may apply. I’ll connect you with experienced lenders who can walk you through your options and find the best fit for your situation.

Market conditions matter, but so do your personal goals. Timing the market perfectly is nearly impossible, so we’ll focus on what makes the most sense for you: your lifestyle, finances, and future plans. If you’re curious, I can connect you with a lender or advisor for a deeper look at the numbers.

You can, but it’s important to understand what that entails. Selling on your own often involves more risk, longer market time, and added stress. I’m happy to provide a side-by-side comparison of what’s involved in a For Sale By Owner (FSBO) vs. working with a professional, so you can make the best choice for your goals.

Commission structures are negotiated on a case-by-case basis. If you’re buying, we’ll discuss how compensation works up front so there are no surprises—and I’ll help you understand your options based on the type of property, financing, and market conditions. If you’re selling, we’ll review a clear outline of what’s included and how we’ll maximize your return. Transparency is key, and we’ll walk through everything together from the start.