The 10 steps to buying a home

• Check your credit score and savings.

• Get pre-approved for a mortgage to determine your budget.

• Compare loan options and interest rates.

• Choose a licensed Texas real estate agent.

• Discuss your home preferences, budget, and location.

• Browse online listings and attend open houses.

• Visit potential homes and compare features.

• Consider the neighborhood, schools, and commute.

• Work with your agent to draft a competitive offer.

• Negotiate terms such as price, contingencies, and closing date.

• Submit an earnest money deposit to show commitment.

• Hire a licensed home inspector.

• Review the inspection report for potential issues.

• Negotiate repairs or price adjustments if necessary.

• Work with your lender to finalize loan approval.

• The lender orders an appraisal to confirm the home’s value.

• Adjust the purchase agreement if the appraisal is lower than expected.

• The title company will conduct a title search.

• Purchase homeowners insurance (required for most loans).

• Review closing disclosures and loan terms.

• Walk through the home before closing to ensure agreed-upon repairs are completed.

• Verify that everything is in working order.

• Sign final documents at the title company.

• Pay closing costs and finalize your mortgage.

• Receive the keys to your new home!