How do I get pre-approved for a mortgage?

Start by contacting a trusted lender (I can connect you!). They’ll review your income, credit, and financial history to determine how much you can afford. Pre-approval shows sellers you're serious and ready.

What credit score do I need to buy a home?

Most lenders prefer a score of 620 or higher, but options may be available as low as 580 with certain loan types. A higher score usually means better interest rates.

How much money do I need for a down payment?

It depends on the loan! You could put down as little as 3%, and some programs offer down payment assistance. I’ll help you explore all your options.

What are closing costs and who pays them?

Closing costs are fees for services like the lender, title company, and more, usually 2–5% of the home price. Buyers typically pay them, but we can negotiate seller contributions.

How long does the homebuying process take?

Once you're under contract, it typically takes 30–45 days to close. The home search timeline depends on your goals and the market but I’ll guide you every step of the way.

When is the best time to sell my home?

Spring and summer tend to attract more buyers, but the best time is when you're ready. With the right strategy, your home can shine in any season.

How do I know what my home is worth?

I provide a free, data-driven market analysis based on recent sales, neighborhood trends, and your home’s unique features. But you can start here: https://candispelham.pearsonsmithrealty.com/seller/valuation/

What should I do to get my home ready to sell?

Declutter, deep clean, and make minor updates if needed. I offer a professional staging consultation and prep checklist to help your home look its best.

What costs are involved in selling a home?

Expect to pay agent commission, closing costs, and any agreed-upon repairs. I’ll walk you through all expenses up front, no surprises.

How long will it take to sell my home?

It depends on your pricing strategy and market conditions, but homes that are well-priced and well-presented often sell in 30 days or less in the DMV area.

How do I know if I’m ready to buy a home?

If you're tired of rising rent, want stability, and have steady income, it might be time to explore your options. I can help you figure out where you stand, no pressure, just a plan.

Can I buy a home with little or no money down?

Yes! There are first-time homebuyer programs, grants, and low-down-payment loans available. Some clients purchase homes with less than $5,000 out-of-pocket.

What’s the difference between renting and owning financially?

Renting pays your landlord’s mortgage. Owning builds equity (your wealth) and gives you stability, tax benefits, and freedom to customize your space. Ownership is an investment in your future.

My credit isn’t perfect, can I still buy a home?

You don’t need perfect credit to become a homeowner. Let’s review where you are and create a plan. I’ve worked with many clients who started with low scores and still made it happen!

How long does it take to go from renting to owning?

With the right preparation and guidance, it can take as little as 60–90 days. Whether you're ready now or just planning ahead, I’ll help you take the next step with confidence.

Candis Pelham | MD Realtor®

Let’s turn your homeownership dream into your greatest comeback story.

Featured Homes

Rental - $2700: 6064 Red Squirrel Place, Waldorf, MD, 20603

Rental- $2995: 3801 Ernst Drive, Bowie, MD, 20716

Rental- $2950: 10700 Presidential Parkway, Upper Marlboro, MD, 20772

Rental- $3000: 6807 Pepper Street, Capitol Heights, MD, 20743

Rental- $2900: 9740 Orkney Place, Waldorf, MD, 20601

Rental- $3050: 15006 General Lafayette Boulevard, Brandywine, MD, 20613

Rental - $2495: 4110 Crab Apple Court # 5, Suitland, MD, 20746

11124 Filberts Ct Waldorf MD 20603

5965 Acorn Spring Pl, La Plata, MD 20646

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JoinedApril 2021

Candis Pelham | MD Realtor® has been a member of Linktree for 5 years and joined in April 2021. The social media accounts linked to from Candis Pelham | MD Realtor® are: Facebook, Instagram, TikTok. Besides social media accounts, CandisPelham has populated their site with Rental - $2700: 6064 Red Squirrel Place, Waldorf, MD, 20603, Rental- $2995: 3801 Ernst Drive, Bowie, MD, 20716, Rental- $2950: 10700 Presidential Parkway, Upper Marlboro, MD, 20772, Rental- $3000: 6807 Pepper Street, Capitol Heights, MD, 20743, Rental- $2900: 9740 Orkney Place, Waldorf, MD, 20601, Rental- $3050: 15006 General Lafayette Boulevard, Brandywine, MD, 20613, Rental - $2495: 4110 Crab Apple Court # 5, Suitland, MD, 20746, 4703 Snowflower Blvd Oxon Hill MD 20745, 5965 Acorn Spring Pl, La Plata, MD 20646, 11124 Filberts Ct Waldorf MD 20603, Please Leave Me A Good Review!, Candis Pelham's Blinq Card, Rental Consultation Form, Chat with Candis about Buying, Selling or Renting, My Website, Get in touch with Studio 36 DMV, Start Your Home Search, Family Day Out at the National Baltimore Aquarium.