Start with the lender, not the listings
A written pre-approval tells you your real budget and makes your offer competitive. We can introduce you to local lenders who close on time in this market.
Free buyer guide
The Ultimate Home Buyer's Resource Guide
From pre-approval to keys in hand — every step of a Texas home purchase.
What's inside
Buying a home in Texas has its own rhythm: option periods, title companies, survey updates and a one-day closing table. This guide explains each step so you always know what happens next and what it costs.
- —How much home you can actually afford, including taxes and insurance
- —Loan types compared: conventional, FHA, VA and jumbo
- —How the Texas option period and earnest money really work
- —Inspection, appraisal and repair negotiation checklists
- —A full breakdown of buyer closing costs
Use your option period well
In Texas you can pay a small option fee for the unrestricted right to terminate during a set window. That is when inspections happen and when repairs get negotiated. Schedule your inspector the day the contract is executed.
Know your closing costs up front
Beyond the down payment, expect lender fees, title policy costs, prepaid taxes and insurance escrows. We give you an estimate before you write the offer so there are no surprises at the table.