Frequently Asked Questions


Below, you'll find answers to FAQ's about both the home-buying process and The Penny Mattingly Team. If you have further questions, please contact us!

1Where do I start searching for a home?
We use several different search sites but our preferred site is Searching alone, however, can be difficult. Let us do the searching for you!
2Can I afford to move?
Simply knowing what you can afford is a huge portion of the home buying process. You can consult your financial advisor or use an online calculator like this.
3When should I call a realtor?
We’re happy to answer any questions you have at any time in the home-buying process. However, the process can be streamlined significantly by first establishing a budget, getting pre-approved for a mortgage, and having a few of the specifications for your dream home in mind (three bedrooms, a big backyard, etc.).
4When should I apply for a mortgage?
Applying for a mortgage is typically the last step you take just before your home search begins. Many people don’t realize that getting pre-approved for a mortgage is an even more important step than actually finding a house. All too often, people fall in love with a home only to find that they can’t afford the mortgage payments. We always recommend getting pre-approved for a mortgage before seriously searching for a home.
5Should I work with a realtor when looking at homes?
Full disclosure, it is obviously beneficial for us to tell clients they should use a realtor. But with that being said, it is also beneficial to you too. The average homebuyer will probably only buy a few homes in their lifetime. A realtor goes through this process a few times per month, and sometimes a few times per week! That kind of experience is hard to replicate on your own. Yes, we’re biased when it comes to recommending the use of a realtor, but our honest opinion is to use a realtor. Our company is based on returning business and referrals, therefore, we will always act in your best interest.
6What amenities are in Lafayette?
Great question! Check out our Homebuyer’s Toolkit!

If you need help finding a lender to get pre-approved for a mortgage, view our Homebuyer's Toolkit.