Blog - Benjamin "Ben" Perfetto

Buyers, Q&A

What Are Closing Costs in Pennsylvania?

Short Answer Closing costs are the expenses associated with finalizing a real estate transaction. They are separate from your down payment and typically include things like lender fees, appraisal fees, title insurance, recording fees, and prepaid taxes or insurance. While every transaction is different, many Pennsylvania homebuyers should expect closing costs to total approximately […]
Buyers, Q&A

What Credit Score Do I Need to Buy a Home in Pennsylvania?

Short Answer The minimum credit score needed to buy a house depends on the loan program you’re using. Many buyers can qualify for a mortgage with a credit score as low as the mid-500s, while others may need a score of 620 or higher depending on the lender and loan type. The good news […]
Buyers, Q&A

How Much Money Do I Need to Buy a Home in Pennsylvania?

Short Answer One of the biggest misconceptions about buying a home is that you need a 20% down payment. Fortunately, that’s simply not true for many buyers. In Pennsylvania, many homebuyers can purchase a home with as little as 3% to 3.5% down, depending on the loan program they qualify for. In addition to […]