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When it’s time to make an offer, the paperwork and terminology can feel like another language. In this episode, Alexandra Starrett (she/her) breaks down every part of the offer process in plain English: down payments, earnest-money deposits, contingencies, escrow, and timelines that actually make sense. Learn how appraisals work (and why FHA and VA loans come with extra rules), what to look for in HOA documents after Fannie Mae’s insurance changes, and how a buyer’s agent’s real value lies in education and negotiation.

You’ll also hear how the new rules around buyer-agent compensation really work, why “cash” doesn’t mean stacks of bills, and what strategies can strengthen your offer without overpaying. Whether you’re a first-time buyer or just trying to understand what happens between “I love this house” and “we’re under contract,” this episode will help you feel confident making your next move in Portland’s ever-shifting market.

🎧 Listen now to Queer Keys: Unlocking Homeownership in Portland — real talk, real estate, and real inclusion.