👉 A quick guide for Buyers
Do I need a Realtor to buy a home?
Technically no—but having a Realtor ensures you have someone negotiating on your behalf, protecting your interests, and guiding you through contracts, deadlines, and inspections. The builder or listing agent represents the seller—not you.
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How much money do I need to buy a home?
It depends on your loan type, but most buyers need:
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Earnest money (1–2% of purchase price)
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Option fee (Texas-specific)
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Closing costs (can sometimes be negotiated or covered)
There are also programs that can help with down payment assistance.
What credit score do I need?
Most lenders prefer a 620+, but better rates typically start around 720+. I can connect you with trusted lenders who can review your specific situation.
Can I buy a home with little or no money down?
Yes! VA loans (for veterans) and some conventional or first-time buyer programs allow for low or no down payment options.
How long does the process take?
From contract to closing, typically 30–45 days. The preparation (getting pre-approved, home search) can vary based on your timeline.
Should I buy new construction or resale?
It depends on your goals. New construction often offers incentives and modern features, while resale homes may have more established neighborhoods and pricing flexibility. I help you compare both so you can make the best decision.
If I can search for homes online, what does a buyer’s agent actually do?
Online home search tools are a great starting point—but they don’t replace strategy. A skilled buyer’s agent provides expert pricing analysis, strong negotiation on your behalf, access to off-market opportunities, and guidance through contracts, inspections, and closing. Their role is to protect your interests and help you make confident, well-informed decisions every step of the way.
How much does it cost to work with a buyer's agent?
In most cases, our compensation is paid by the seller through the listing agreement, meaning you typically won’t pay out of pocket for our services. We’ll break down exactly how this works in today’s market and review all possible scenarios upfront, so you have full clarity and no unexpected surprises along the way.
What are the first steps to buying a home in Houston?
The process starts with getting financially prepared and building the right strategy. Begin by reviewing your budget, checking your credit, and getting pre-approved with a trusted lender so you know exactly what you can afford.
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From there, we’ll define your goals—such as preferred areas, home type, and must-haves—so we can focus your search. Once you’re set up, we’ll guide you through touring homes, making a competitive offer, and navigating inspections, negotiations, and closing with confidence.