First-Time Buyer
Resource Center

Your credit score is the single biggest factor in what mortgage rate you'll qualify for. Start here — months before you apply.

You don't need 20% down — but you do need some savings. Texas has programs that can cover your down payment entirely.

Know your budget before you fall in love with a home. Use the 28/36 rule as your starting point.

Pre-approval is not the same as pre-qualification. A real pre-approval letter makes sellers take you seriously.

A buyer's agent costs you nothing — their commission is paid by the seller. But the right agent is worth everything.

Now the fun part — but stay disciplined. Know your must-haves vs. nice-to-haves before you start touring.

Your agent will guide you, but understanding the basics of offer strategy helps you make smart decisions fast.

Never skip the inspection. A few hundred dollars now can save you tens of thousands later.

Your lender will order an appraisal to confirm the home is worth what you're paying. Here's what to expect.

Your lender requires it. Texas has unique insurance considerations — don't just grab the cheapest policy.

The final walk-through happens 24–48 hours before closing. It's your last chance to catch problems.

Closing day is the finish line. Know what to bring, what to expect, and what you're signing.