Why Beycome’s FSBO and By Owner knowledge base matters Selling or buying a home on your own can feel like stepping into a completely new...
Short answer: Yes, Beycome lists homes in Pennsylvania. For a $99 flat fee, your home goes on the...
Short answer: Concierge is Beycome’s full-service selling package. A dedicated expert handles pricing guidance, marketing, offers, negotiation and...
Short answer: Beycome Title closes home sales in Florida and Texas today, and in Michigan, Ohio, Illinois and...
Short answer: Artur is your own real estate assistant at Beycome. The Artur real estate AI Assistant is...
A photo is marked invalid when it breaks an MLS photo rule our automated check enforces at upload....
With the Beycome buyer program you pay no upfront fee. We represent you, collect the buyer-agent commission the...
MLS commission rule: since August 17, 2024, under the NAR settlement practice changes, no MLS listing can show...
Realtor.com makes money by selling leads to agents. The big phone number next to Contact Agent belongs to...
Zillow is a real estate website and app that shows homes for sale and for rent. It makes...
To sell without an agent, price your home against comparable sales, prepare and photograph it, list it on...
At closing, ownership officially transfers from the seller to the buyer as you sign the final documents. The...
Flat fee MLS means a licensed brokerage puts your home on the local MLS for a one-time fee...
A conventional loan is a mortgage from a private lender that isn’t backed by FHA, VA or USDA....
A jumbo loan is a mortgage above the conforming loan limit: $832,750 in most of the US for...
A USDA loan is a zero-down mortgage backed by the U.S. Department of Agriculture’s Rural Development program for...
A VA loan is a mortgage from a private lender that the U.S. Department of Veterans Affairs partly...
FHA loans are one of the most popular mortgage options for first-time home buyers and borrowers with limited...
Title insurance is a one-time purchase that protects you from financial loss if someone challenges your legal ownership...
Loan-to-value ratio (LTV) is your loan amount divided by the home’s appraised value, times 100. A $320,000 loan...
Getting a mortgage typically takes 30 to 60 days from pre-approval to closing. Check your credit, figure out...
Most mortgage pre-approval letters are good for 60 to 90 days, though some lenders issue 30-day letters and...
Mortgage underwriting usually takes 3 to 10 business days. Clean, well-organized files can clear in 3 to 5...
For a mortgage pre-approval, you’ll need proof of income, employment, assets and identity. W-2 employees should gather two...
An ARM makes sense if you plan to sell or refinance before its fixed period ends, or need...
Start by learning what you can afford, then look at programs built for first-time buyers. You likely qualify...
A HELOC is a revolving credit line secured by your home’s equity, so you borrow as needed and...
A conventional loan is a mortgage that isn’t insured or guaranteed by the federal government. Private lenders issue...
Amortization is paying off a loan in fixed, equal monthly payments over a set term, with each payment...
A 15-year mortgage costs more each month but saves far more interest, while a 30-year keeps payments lower...
The 28/36 rule says your housing costs should stay under 28% of your gross monthly income and your...
A VA loan is a mortgage guaranteed by the US Department of Veterans Affairs, offering eligible borrowers 0%...
Your debt-to-income ratio is the share of your gross monthly income that goes to debt payments. It’s total...
No. The MLS treats a sale and a rental as different transactions, so a for-sale listing can’t be...
Missing a showing request doesn’t hurt your listing. Find the request in your text messages, email, Beycome dashboard...
Agents usually call you directly using the contact info on your MLS listing. If an agent or buyer...
A complete, correct listing goes live on the MLS within 2 business days, about 2 hours on average...
Yes. If you’re buying, our Buyer Program helps you search, schedule showings, negotiate and close, with no upfront...
Your MLS sheet isn’t generated automatically, because MLS rules usually require a manual request and supervisor review. Once...
MLSs accept video and 3D tours as links, not uploads. Vimeo works on every MLS, YouTube only on...
Photos get flagged as copyright when they break MLS rules or copyright law. Common reasons are photos from...
MLS photo size requirements: most MLSs want landscape (4:3) JPG photos of at least 640 × 480 pixels,...
Your listing must be verified and live on the MLS before Zillow can show it. Zillow then pulls...
A complete, correct listing goes live on the MLS within 2 business days, about 2 hours on average...
Beycome runs a fully automated 110-point verification on every listing before it goes live. It confirms your right...
If an agent contacts Beycome instead of you, we immediately text you the agent’s details, 24/7. You can...
Usually not. Lenders want the earnest money deposit to come from your own verified funds or a documented...
If you miss a mortgage payment, pay as soon as you can and contact your lender right away....
In North Carolina, square footage you advertise must follow the NC Real Estate Commission’s Residential Square Footage Guidelines....
Get quotes from at least 3 lenders and compare rates, fees and service side by side. On a...
Yes, your name and phone number appear on the MLS in the owner section, in showing instructions when...
Once you’re under contract, the buyer deposits earnest money into escrow and the home is marked pending. Before...
Yes, a home inspection is always a smart idea, for buyers and sellers alike. An inspection takes a...
Plan to have 6% to 25% of the home’s price in total cash before you start shopping. That...
Mortgage approval can take only a few days in the best case, but expect up to several weeks....
Budget for every expense, not just the mortgage: taxes, insurance, utilities and upkeep. Make sure the home fits...
Most buyers need between 0% and 5% down in 2026, depending on the loan type. VA and USDA...
The main home inspections cover the foundation and structure, roof and insulation, plumbing, electrical, HVAC, ventilation and garage...
No. Agents aren’t less likely to show a flat fee listing because the MLS has no label showing...
No. A traditional agent and a flat fee MLS listing with Beycome put your home on the exact...
Listing syndication is the automatic sharing of an MLS listing with other websites. Once your home is live...
A Florida Pet Addendum is an add-on to a residential lease that sets the rules when a tenant...
You can cut mortgage costs by making one extra payment a year, canceling PMI after paying down 20%,...
The main types of mortgages are conventional loans and government-backed loans (FHA, VA and USDA). Each has a...
You can lower your mortgage payment by putting more down, removing PMI once you reach 20% equity, or...
Refinancing makes sense when what you save over the new loan’s life is more than its costs, such...
Foreclosure usually starts with a Notice of Default after a fourth missed mortgage payment. It can take a...
In a short sale, you sell your home for less than you owe with your lender’s approval, and...
Short Payoff
Yes, 100% financing is available through no down payment loans. Programs from the USDA, VA, Fannie Mae and...
How long an eviction takes depends on whether it’s with or without cause. Without cause on a month-to-month...
Yes. You can usually get financed again after 2 years for FHA and VA loans, 3 years for...
Both. Who pays closing costs depends on the contract and the state. Buyers usually pay loan fees, the...
Closing costs typically run 2% to 5% of the purchase price, according to the CFPB, or about $8,000...
A closing is the final step of a home sale, when ownership officially passes from the seller to...
FICO scores drop because of bankruptcy or foreclosure, late payments, high credit utilization, and opening new credit. Bankruptcy...
A VantageScore is one of the two main credit scoring models that banks and lenders use to evaluate...
The minimum credit score depends on the loan: 580 for FHA with 3.5% down (500 with 10%), 620...
Under the Fair Credit Reporting Act, you get one free credit report a year from each of TransUnion,...
Dispute any errors on your credit report, pay down credit card balances and pay every bill on time....
On the FICO scale of 300 to 850, a good credit score is 670 to 739; 740 to...
You can build credit with a secured credit card or a credit-building loan, then pay every bill on...
Yes. You can dispute a credit report error with Equifax, Experian or TransUnion by mailing a letter describing...
You can qualify for an FHA loan with a 580 credit score and 3.5% down, or 500 to...
An FHA loan requires a 3.5% down payment. To find yours, multiply the purchase price by 3.5%: a...
Seller concessions are closing costs the seller agrees to pay for the buyer, written into the purchase contract....
The FHA helps buyers with low to moderate income or imperfect credit by backing home loans. Many FHA...
You can find down payment assistance through state housing finance agencies, local nonprofits and employer programs. More than...
Yes. First-time buyers can use FHA loans with 3.5% down, VA loans that often need no down payment...
Buy if you’re ready to put down roots; rent if you move often or are still building savings....
An ARM makes sense if you don’t plan to stay in the home past its introductory period, which...
Pre-qualification is a quick estimate based on numbers you report, with no credit check or documents. Pre-approval is...
PMI is private mortgage insurance that protects your lender, required on conventional loans when you put less than...
Mortgage insurance is an extra premium you pay when you put down less than 20%, so you can...
A Good Faith Estimate is a lender disclosure that outlines your mortgage terms and settlement charges, required by...
A 203k loan is an FHA mortgage that wraps the cost of renovating a home into the loan...
You’ll need your credit history, a full list of debts, proof of income such as W-2s and recent...
A mortgage payment covers four things: principal, interest, property taxes and homeowners insurance. Principal and interest make up...
Discount points are prepaid interest you pay once at closing to lower your mortgage rate. One point equals...
You can cut closing costs by asking your lender to lower fees, using VA or union programs, or...
An owner’s title insurance policy lasts as long as you, or heirs who inherit the home, hold an...
A home inspection shows the true condition of the home before you commit to buying it. A state-licensed...
Earnest money is a good faith deposit, typically 1% to 3% of the purchase price, that you pay...