10 Simple Steps to Buying Your First Home in Texas

Your easy-to-follow guide to turning “someday” into “now.”

Buying your first home is one of the most exciting—and sometimes overwhelming—milestones in life. Whether you're a lifelong Texan or relocating here for work, family, or military orders, the process can feel like a maze. But don’t worry—you’re not alone. As a real estate professional who specializes in first-time buyers, military families, and renters becoming homeowners, I’ve created this simple guide to help you get started confidently.

Here are 10 clear steps to take you from dreaming to closing on your first home in Texas.

1. Check Your Credit Score

Your credit score is a big factor in determining what type of loan you qualify for—and the interest rate. Aim for a score of 620 or higher for most conventional loans, although VA loans often offer more flexibility for eligible military members and veterans.

Tip: Don’t panic if your score is low—there are strategies to boost it quickly, and I can connect you with trusted lenders who can help.

2. Determine How Much You Can Afford

Before you fall in love with a house, it’s important to know what you can comfortably afford. This includes the mortgage, taxes, insurance, and possibly HOA fees.

Rule of thumb: Your total housing costs should be no more than 30% of your monthly income.

3. Get Pre-Approved for a Mortgage

Getting pre-approved shows sellers you’re serious—and it helps you shop with confidence. Your lender will evaluate your finances and give you a price range to guide your search.

VA loan tip: If you’re active duty or a veteran, a VA loan requires no down payment and no private mortgage insurance (PMI).

4. Choose the Right Real Estate Agent

Work with a REALTOR® who understands your specific needs—especially if you're a first-time buyer, relocating for military PCS orders, or moving from renting to owning. A knowledgeable agent will be your advocate and guide every step of the way.

5. Start House Hunting (Smartly!)

This is the fun part! Your agent will help you find homes that meet your criteria—location, size, price, and lifestyle preferences. Be open-minded but stick to your budget.

Bonus: I help buyers preview properties virtually and provide neighborhood insights you won’t find online.

6. Make an Offer

Once you find “the one,” your agent will help you write a competitive offer based on market value, condition, and other buyer activity.

First-time buyer tip: Don’t be afraid to negotiate—especially on things like repairs or closing costs.

7. Schedule a Home Inspection

Never skip this step. A professional inspection helps uncover any hidden issues that could cost you down the road. Depending on the results, you may renegotiate or request repairs before closing.

8. Finalize Your Loan

Your lender will work behind the scenes to finalize your mortgage, verify your income and assets, and schedule an appraisal to ensure the home is worth the purchase price.

9. Close on Your Home

At closing, you’ll sign the official documents, pay any remaining costs, and get your keys! It’s a big day—and I’ll be right by your side to make sure everything goes smoothly.

10. Move In and Celebrate!

Welcome home! This is your fresh start—a place to build memories, plant roots, and enjoy the freedom and stability that homeownership brings.

Need Help Getting Started?

I specialize in helping first-time buyers, military families, and renters make smart, confident moves in the Texas housing market. Whether you’re ready to buy now or just gathering info, I’m here to answer your questions and guide you every step of the way.

📲 Reach out today for a free consultation.
Let’s turn your homeownership dream into a reality—one simple step at a time.

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