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In NYC, plan for 20% down for co-ops (many require 25-30%), 10-20% for condos, and 3.5-20% for single-family homes depending on loan type. You'll also need 2-5% for closing costs. Our team connects you with lenders who can structure the best financing for your situation.

A buyer's agent represents your interests throughout the transaction — at no cost to you. The seller pays both agents' commissions. You get expert negotiation, full MLS access, and guidance through every step without paying a cent out of pocket.

Co-ops require board approval, restrict subletting, and need stricter financials — but are typically 20-30% cheaper. Condos are easier to buy, finance, and sell. We help you understand which is right for your situation and budget.

From accepted offer to closing: condos take 60-90 days, co-ops 90-120 days (due to board approval), and single-family homes 45-60 days. Getting pre-approved before you search puts you in the best position to move fast.

Absolutely — first-time buyers are a specialty. We walk you through every step, from understanding your budget to navigating inspections to closing. We also connect you with first-time buyer loan programs that can reduce your down payment and costs.