: The process typically takes 30–60 days from bid acceptance to final settlement.

: You can use various loan types, including FHA loans (low down payment), VA loans (for veterans), or conventional mortgages.

: Check for discounts like the Good Neighbor Next Door program , which offers 50% off for teachers, firefighters, and law enforcement in revitalization areas. 4. Submit a Bid

: Obtain a pre-approval letter from a lender. This is mandatory for submitting a bid and proves you can afford the amount offered.