Buying a home is a big step! You’re financially ready if you have stable income, a good credit score, and savings for a down payment and closing costs. You’re emotionally ready if you plan to stay in the home for at least a few years. A realtor can help you evaluate your situation and guide you through the process.

Your budget depends on the home price, down payment, closing costs, and monthly mortgage. Some loan programs allow as little as 3% down, and Texas offers assistance programs for first-time buyers. A realtor can connect you with trusted lenders who explain your best financing options.

Most lenders prefer a credit score of 620 or higher, but FHA loans allow scores as low as 580 with a 3.5% down payment. A realtor can recommend lenders who help improve your credit and find the right loan for you.

Yes! Pre-approval shows sellers that you’re a serious buyer and tells you how much home you can afford. A realtor can introduce you to top lenders and ensure you have a strong pre-approval letter.

Consider factors like schools, commute times, safety, property taxes, and amenities. A local realtor has expert knowledge of Houston’s different areas and can help you find a neighborhood that fits your lifestyle and budget.

Closing costs include lender fees, title insurance, home inspection, appraisal, and other charges, usually 2-5% of the home's price. Your realtor negotiates with the seller to see if they’ll help cover some of these costs.

Absolutely! A realtor protects your interests, negotiates the best deal, and handles all the paperwork. In most cases, the seller pays the buyer’s agent commission, meaning you get expert guidance at no extra cost!

The homebuying process typically takes 30-60 days once your offer is accepted. However, if you’re still house-hunting, it could take longer. A realtor helps streamline the process to avoid unnecessary delays.

Pay attention to the home's condition, layout, potential repairs, and resale value. Your realtor can spot red flags, advise on inspections, and help you determine if it’s a good investment.

A strong offer includes a fair price based on market conditions, a solid pre-approval, and limited contingencies. A realtor uses market data to advise on the best offer strategy to help you win the home.

You’ll enter the contract period, which includes home inspections, appraisals, loan approval, and title work. Your realtor will guide you through each step to ensure everything is on track for closing.

A general home inspection is a must! You may also need a foundation, termite, or roof inspection, depending on the home’s condition. A realtor helps coordinate these inspections and negotiate repairs if needed.

If the appraisal is lower than the agreed price, your options include renegotiating, covering the difference, or walking away (if you have an appraisal contingency). A skilled realtor helps you navigate this situation to protect your investment.

Your monthly payment depends on the home price, loan type, interest rate, property taxes, and homeowners insurance. Your realtor can help you estimate your total costs and connect you with a lender for a personalized breakdown.

After closing, update your address, set up utilities, and review your home warranty. A great realtor stays in touch even after the sale, offering homeowner tips, market updates, and referrals for home maintenance services.