Preferred Lenders
You are absolutely free to choose your own lender. However, if you need recommendations, below is a list of trusted local lenders I work with who can help get the job done efficiently.
An experienced mortgage professional with over 40 years in the mortgage industry.
Lorraine Basham | Cadence Bank
Passionate about assisting families in realizing their dreams of homeownership.
Kristin Martin | PrimisThe home buying process can feel overwhelming, leaving you unsure of where to begin. Request my free buyer’s guide for a clear, step-by-step walkthrough.
Request A Free Buyers GuideBuying Steps
Click below to access a more in-depth buyer’s guide, filled with details beyond what’s covered here. Get the information you need to navigate the home-buying process with confidence!
Free Buyers GuideFind a Real Estate Agent
🏡 Work with a Texas REALTOR® – A professional will guide you through the buying process, negotiate on your behalf, and find the right home for your needs. This is where I come in!
Assess Your Finances & Get Pre-Approved
💰 Check Your Budget – Determine how much home you can afford.
🏦 Get Pre-Approved – A lender will review your financials to provide loan options.
Start House Hunting
🔎 Search for Homes – Look for properties that match your budget and lifestyle.
📍 Consider Location & Features – Factor in commute, schools, and resale value.
📅 Schedule Showings – Let’s start shopping!
Make an Offer & Negotiate
✍️ Submit an Offer – We’ll craft a strategic, competitive offer that aligns with market conditions while prioritizing your needs. I’ll negotiate aggressively to secure the best possible terms for you.
💬 Negotiate Terms – Counteroffers may be needed to agree on the price, conditions and concessions.
Get an Inspection & Appraisal
🛠️ Home Inspection – A home inspection isn’t required but highly recommended. A professional can uncover hidden issues, giving you peace of mind and potentially saving you from costly surprises.
📊 Appraisal – Required by lenders to confirm the home’s market value.
Let’s Chat!
Click below to start the conversation and connect with me today! Whether you have questions or are ready to take the next step, I’m here to help.
Contact MeFinalize Your Mortgage & Paperwork
📑 Secure Your Loan – Lock in your mortgage rate and complete financial documents.
Close the Sale & Get the Keys
🏠 Attend Closing – Sign final documents.
🔑 Move In! – Congratulations, you’re officially a Texas homeowner!
Common Buyer Mistakes
Buying a home is an exciting journey, but mistakes can lead to unnecessary stress or added costs. Here are some common pitfalls to watch out for:
Making Big Financial Changes Before Closing
Avoid new loans or credit card purchases that could impact your mortgage approval. Buy that new furniture AFTER closing!
Waiving the Home Inspection
This can lead to costly surprises after closing. A professional inspection gives you peace of mind.
Letting Your Emotions Take Over
Stay focused on your needs and budget, not just curb appeal.
Letting Outside Opinions Overcomplicate the Process
Seeking advice is great, but too many opinions can make the process overwhelming. Focus on what fits your needs and budget and trust your own judgment.
Frequently Asked Questions
While 20% is the traditional standard, many loan programs allow for much less. FHA loans often require just 3.5%, and VA or USDA loans may offer 0% down for qualified buyers. We can connect you with a lender to find the best option for your budget.
On average, it takes about 30 to 45 days to close on a home once an offer is accepted. However, the search process can take anywhere from a few weeks to several months depending on inventory and your specific needs.
Yes! A home inspection is highly recommended. It reveals hidden issues with the foundation, roof, plumbing, and electrical systems that aren’t visible during a walk-through. It protects your investment and prevents costly surprises later.