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Asking questions does not commit you to anything. NAR's consumer guide says a written buyer agreement is needed before touring a home with an agent, not for asking an agent about services. Any compensation is set only in that written agreement, which states a specific amount or method and is negotiable, and you read it before deciding whether to sign.

Nothing is required to start. It helps to know your rough yearly income, monthly debt payments, savings for a down payment and closing costs, and your timing. For a lender preapproval later, Georgia DCA lists 30 days of pay stubs, two years of W-2s, 60 days of bank statements and, if self-employed, two years of tax returns.

Yes. A single question about a program, a neighborhood, property tax or the buying process is a fine reason to write. You do not need to be ready to buy, and asking a question does not require a buyer agreement. If the answer leads to a bigger conversation, we can plan that next.

No. Many first-time buyers get in touch before talking to any lender. A preapproval matters once you are ready to make offers. The CFPB notes that a preapproval is not a guaranteed loan offer, and it suggests contacting multiple lenders, since mortgage credit checks within 45 days count as a single inquiry.