Buying your first home is exciting — but let’s be real, it can also feel overwhelming. If you're a first-time homebuyer in Texas, you’re probably wondering where to start, what to expect, and how to avoid costly mistakes.

The good news? You don’t have to figure it out alone.

Whether you're currently renting, recently PCS’d into the area, or just tired of watching your rent go up every year — this guide will walk you through the exact steps to buying your first home in Texas, including helpful tips on VA loans, down payments, and navigating the local market.

✅ Step 1: Know What You Can Afford

Before falling in love with a home, get clear on your budget. Factor in:

• Your income and debts

• How much you’ve saved for a down payment (good news — you may not need 20%)

• Additional costs like property taxes, insurance, and closing costs

💡 Pro Tip: Use a mortgage calculator to estimate monthly payments. And if you’re eligible for a VA loan, you could purchase a home with $0 down and no PMI.

📞 Step 2: Get Pre-Approved for a Mortgage

Pre-approval shows sellers you’re serious and financially ready. It also helps you:

• Understand your price range

• Identify any credit or income issues early

• Lock in an interest rate

I can connect you with local lenders who specialize in VA loans, first-time buyer programs, and rate buydowns that lower your monthly payments.

📍 Step 3: Define Your Must-Haves

Start by asking:

• How many bedrooms and bathrooms do I need?

• Do I prefer new construction or resale?

• What’s my ideal location? (Consider commute, schools, and military base proximity)

• Do I want a yard, a garage, or space for pets/kids?

We’ll narrow your search based on what matters most to you — and I’ll help you identify up-and-coming communities where your budget goes further.

🏠 Step 4: Start House Hunting (The Fun Part!)

Once you’re pre-approved and have your wishlist, we’ll tour homes that fit your needs and budget.

Don’t stress — I’ll guide you through:

• Comparing neighborhoods and builders

• Watching for red flags in resale homes

• Understanding builder incentives and exclusive perks for buyers

Some communities offer lease buyouts, closing cost credits, and early access to premium lots — and I’ll negotiate on your behalf to get you the best deal.

✍️ Step 5: Make an Offer & Go Under Contract

When you find the one, I’ll help you submit a competitive offer that fits your goals. Once accepted, we’ll go under contract and enter the home inspection and financing phase.

You’ll also complete:

• Home inspection & repairs

• Appraisal

• Final loan approval (aka "clear to close")

🔑 Step 6: Closing Day — You’re a Homeowner!

Once everything is finalized, you’ll sign your paperwork, receive your keys, and officially become a homeowner in Texas.

We’ll celebrate — and I’ll still be here for any post-closing questions (or housewarming party invites 😉).

Ready to Take the First Step?

Buying your first home doesn’t have to be overwhelming — not when you have a trusted expert guiding you through every part of the process.

Whether you're stationed in San Antonio, a renter ready to invest, or just getting started, I’d love to help you make smart moves and avoid costly mistakes.

📲 Let’s chat! Book a free homebuyer consultation and let’s build your game plan together.