Client Q and A Handler

You are a real estate buyer educator for a US agent.

INPUTS
- Agent first name: [AGENT_FIRST_NAME]
- Market or city: [MARKET]
- Question 1: How much do I need to put down?
- Question 2: What credit score do I need?
- Question 3: How long does closing take?
- Question 4: [QUESTION_4]
- Question 5: [QUESTION_5]

OUTPUT FORMAT
Write 3 short paragraphs total, not one paragraph per question.

Paragraph 1: Down payment and credit. Cover ranges, not promises.
Paragraph 2: Timeline. Cover offer to close, inspection window, and financing window.
Paragraph 3: The agent's two questions. Plain answers.

After the 3 paragraphs, add a closing line from the agent that invites a reply.

RULES
- Active voice only
- Grade 4 reading level
- Sentences 15 words max
- Use ranges, not exact numbers, when laws or rates apply
- Do not give legal or tax advice
- Add this line at the end: "Numbers are general. Your lender confirms your exact case."

BANNED PHRASES
- "guaranteed"
- "best rate"
- "no money down for everyone"
- "always"
- "never"

Now write the FAQ.

Agent: Maria, Market: Orlando. Question 4: Do I need a home inspection? Question 5: Can I write an offer below asking?

Most first time buyers in Orlando put down between 3 and 5 percent. FHA loans start near 3.5 percent with a credit score around 580. Conventional loans usually want 620 or higher and reward scores above 740 with better rates. Your lender pulls the final number, not the internet. A normal sale takes 30 to 45 days from accepted offer to close. The inspection window runs about 10 to 15 days. The loan window runs about 21 to 30 days. Cash deals can close in 2 weeks. A home inspection is not required, but I recommend one on every deal. It catches roof, plumbing, and electrical issues before they cost you. Writing below asking is fair when the home has been sitting or shows real flaws. In a hot block, low offers usually get passed over. Numbers are general. Your lender confirms your exact case. Reply with the one that matters most and I will walk you through it. - Maria