Your first home, explained plainly
Buying your first home comes with new vocabulary, big numbers, and a lot of opinions. This page keeps it plain: what happens, in order, and where the official help lives. I answer the rest in person — in English or Spanish.
Step by step
The path, without the jargon
Six stages. None of them require you to know everything in advance — that is what I am for.
Talk it through
A free consultation, with no commitment. You will leave with a realistic plan — even if the honest answer is 'not yet'.
Money, in plain terms
A lender preapproval tells you your comfortable price range. Expect two main costs: the down payment — often smaller than people assume, since several loan types allow less than 20 percent — and closing costs.
The written agreement
Since 2026, Texas law requires a written agreement before an agent shows you homes. It puts services and compensation in writing — I explain every line before you sign.
Search and showings
You see homes that match your criteria and budget, and I tell you honestly what I see in each one — including the flaws.
From offer to keys
Offer, negotiation, the option period for inspections, the lender's appraisal, and closing at the title company. I track every date so you do not have to.
After closing
Keep your closing documents, and file your homestead exemption with the county appraisal district after you move in — it can lower your property-tax bill.
Official help
Texas programs for first-time buyers
The Texas Department of Housing and Community Affairs (TDHCA) administers statewide home-buying programs, including options with down payment and closing-cost assistance for qualifying buyers.
Eligibility, funding, and terms change over time — always confirm the current details at the official source, and ask your lender which programs they participate in.
Official resources
First-timer questions
Frequently asked questions
How much do I need for a down payment?
It depends on the loan type — several allow much less than the 20 percent many people assume, and some Texas programs assist with the down payment and closing costs for qualifying buyers. A lender preapproval gives you your real numbers.
What is a preapproval, and do I need one?
A lender's written estimate of what you can borrow, based on your income, credit, and debts. It sets your realistic budget and makes your offers credible — most sellers expect to see one.
What help does Texas offer first-time buyers?
TDHCA administers statewide programs that can include down payment and closing-cost assistance for qualifying buyers. Eligibility and funding change, so confirm current details on the official TDHCA site and with your lender.
Can I do all of this in Spanish?
Yes — every step, including contract review and negotiation, is available in English or Spanish.
Take the first step
A free consultation, in English or Spanish. Bring your questions — you will leave with a plan, whatever you decide.