Q: When should I get pre-approved for a mortgage?

Ideally, before you start touring homes. Pre-approval helps you understand your budget, strengthens your offer, and shows sellers you're serious.

Q: What’s the difference between pre-qualification and pre-approval?

Pre-qualification is an estimate. Pre-approval is a verified commitment from a lender — and it carries more weight when submitting an offer.

Q: How long does it take to close once I’m under contract?

In Arizona, it typically takes 25–35 days. We’ll keep you on track with a timeline so you always know what’s next.

Q: What if the home needs repairs?

During your inspection period, you’ll have a chance to request repairs, negotiate credits, or cancel if needed. We’ll guide every step.

Q: What are closing costs — and who pays them?

Closing costs include lender fees, title fees, taxes, and more. They’re usually 2–3% of the purchase price and are often paid by the buyer (though they can be negotiated).

Q: How do I know if a home is priced fairly?

We run a Comparative Market Analysis (CMA) on every home you’re serious about. This helps ensure you're making a smart offer based on recent sales.

Q: What happens on closing day?

You’ll sign final documents, wire funds, and wait for the county to record the deed. Once it’s recorded — the home is officially yours!

Q: What support do I get after closing?

Sphere offers a full Closed Client Care Program, including local referrals, annual check-ins, and ongoing resources for every stage of homeownership.