The majority of loan programs typically require a score of 620 or higher. Individuals withhigher credit scores pose a lower risk to the lender, leading to benefits like a reduced down payment and more favorable interest rates. 

Typically, a real estate commission fee is 5–6% of the home’s final sale price. In many cases, both the buyer’s agent and the seller’s agent split the commission fee 50/50. Sellers can negotiate fees, although it may impact the number of services the agent is willing to provide. 

Conducting a home inspection is a smart and strategic move that can benefit sellers in the long run. It can reveal the true condition of their home and alert sellers to any issues that need to be addressed before they put the house on the market. 

Ultimately, the decision depends on the buyer’s individual circumstances, preferences, and the conditions of the real estate market in their area.