Buying a home is one of life's biggest milestones, and REC makes it smooth, informed, and
tailored to you. From getting pre-approved and exploring first-time buyer programs to touring
homes and closing, our team guides you through every step across Maryland, Washington, D.C., and
Virginia — backed by 150+ five-star Google reviews.
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Get Pre-Approved
We connect you with trusted lenders to lock in financing that fits your budget — and your buying power.
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Find the Right Home
Work with an agent who knows your target neighborhoods and surfaces homes that truly match your criteria.
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Tour & Close With Confidence
From private showings to negotiation and closing, we represent your interests at every step.
1
Get Pre-Approved
Know your budget and strengthen your offers.
2
Plan Your Search
We set up your representation agreement and search criteria.
3
Tour Homes
See the homes that fit, with expert eyes alongside you.
4
Offer & Close
We negotiate hard and guide you to the closing table.
How do I start buying a home in Maryland, DC, or Virginia?
Start by getting pre-approved so you know your budget, then connect with a REC agent to set
your search criteria and tour homes. The best first step is a quick conversation — tell us your
goals and we'll map out the path.
How much do I need for a down payment?
Less than many buyers expect. FHA loans can require as little as 3.5% down, VA and USDA loans
offer 0% down for those who qualify, and DMV down payment assistance and grant programs can
cover much of the rest. We'll help you find the programs you qualify for.
Do I need to be pre-approved before looking at homes?
It's strongly recommended. Pre-approval tells you what you can afford and makes your offer far
more competitive in the DMV's fast-moving market. We can connect you with trusted lenders to get
started.
Is there a cost to work with a buyer's agent?
Following recent industry changes, buyers now sign a written buyer representation agreement
that spells out their agent's compensation before touring homes. That compensation may be paid
through a seller concession or by the buyer, depending on the transaction. We'll explain exactly
how it works for you, in writing, up front — no surprises.
What credit score do I need to buy a home?
It varies by loan program — many FHA buyers qualify with scores in the 580+ range, while
conventional and assistance programs often look for higher. Even if your credit needs work, we'll
point you toward steps and lenders that can help you get mortgage-ready.
How long does it take to buy a home?
From pre-approval to closing, many purchases take roughly 30 to 60 days once you're under
contract, though finding the right home varies. We help you move quickly and confidently when the
right one appears.
What closing costs do buyers pay in the DMV?
Buyer closing costs typically include loan origination and lender fees, appraisal and
inspection costs, title and settlement charges, and prepaid items like taxes and insurance.
Amounts vary by jurisdiction and loan type — we'll give you a clear estimate before you commit.
Loan program details, down payment requirements, and assistance availability change and depend on
eligibility. Information here is general and not a lending commitment or financial advice. Contact
REC.Homes to confirm what you qualify for.