Find the Right Home in Central Texas — With a Strategy, Not Just a Search

The amount you'll need depends on the type of loan you choose, the purchase price, and whether you qualify for any down payment assistance programs.

While some buyers put 20% down, many loan programs allow qualified buyers to purchase a home with much less and some programs nothing at all. 

In addition to your down payment, you'll want to budget for:

• Earnest Money: A good rule of thumb is about 1% of the purchase price, though the amount is negotiable. Earnest money is a good-faith deposit that shows the seller you're serious about buying the home. If the transaction closes, it's typically applied toward your down payment or closing costs.
• Option Fee: The option fee varies depending on the terms of the contract but is often just a few hundred dollars. This fee is paid directly to the seller in exchange for an agreed-upon option period, giving you time to complete inspections and perform due diligence with the ability to terminate the contract during that period.
• Closing Costs: Closing costs are different for every buyer and depend on factors like your loan program and the purchase price. I like to involve your lender early so you'll have a clear understanding of what to expect and so we can strategically negotiate potential seller contributions when appropriate.
• Home Inspections: Inspection costs vary based on the property and the type of financing. A standard residential home inspection typically starts around $300, but some loan programs require additional inspections. For example, VA loans require a wood-destroying insect (termite) inspection, while many conventional loans do not.
• Moving Expenses: Don't forget to factor in the cost of moving, utility deposits, cleaning supplies, furniture, and any immediate repairs or updates you'd like to make after closing.

Before you start shopping, I'll help you understand the full picture so there are no surprises along the way.

Yes. Getting pre-approved is one of the most important first steps.

A pre-approval helps you:

• Understand what you can comfortably afford
• Strengthen your offer when you're competing with other buyers
• Avoid falling in love with a home that's outside your budget
• Move quickly when the right property comes along

If you don't already have a lender, I'm happy to connect you with trusted local professionals.

Every transaction is different, but most buyers can expect the process to take about 30 to 45 days after an offer is accepted.

The timeline generally includes:

• Getting pre-approved
• Touring homes
• Making an offer
• Completing inspections
• Finalizing financing
• Closing on the property

If you're relocating, buying land, or purchasing a home that requires additional negotiations, the process may take a little longer.

There's no single credit score required to buy a home. Different loan programs have different guidelines, and lenders consider more than just your score.

They'll also look at factors like:

• Your income
• Employment history
• Existing debt
• Savings
• Overall financial picture

If your credit isn't where you'd like it to be, don't assume homeownership is out of reach. Many buyers are surprised by the options available once they speak with a lender.

The inspection period is your opportunity to learn as much as possible about the home before moving forward.

A licensed inspector evaluates major components such as:

• Roof
• Foundation
• Electrical
• Plumbing
• HVAC
• Appliances
• Structural concerns

Once the inspection is complete, we'll review the report together and discuss your options. Depending on the findings, we may negotiate repairs, request concessions, or move forward knowing exactly what to expect. My goal is to help you make an informed decision—not a rushed one.

Absolutely. Many homeowners need to sell their current home before purchasing their next one.

We'll create a strategy based on your goals and timeline, which may include:

• Coordinating both closings
• Negotiating flexible closing dates
• Exploring leaseback options
• Using financing solutions that make the transition smoother

Every situation is unique, and we'll build a plan that minimizes stress while protecting your interests.

Closing costs typically range from 2% to 5% of the home's purchase price, though the exact amount depends on your loan, lender, and the property's location.

Closing costs may include:

• Loan fees
• Title insurance
• Appraisal
• Survey
• Recording fees
• Escrow costs
• Prepaid taxes and insurance

In some cases, sellers may agree to contribute toward a buyer's closing costs as part of the negotiated contract.

Yes—and in most cases, having your own REALTOR® doesn't cost you anything extra.

The builder's sales consultant works for the builder, while I work exclusively for you. My role is to help you:

• Compare builders and communities
• Review contracts
• Explain upgrade options
• Evaluate resale value
• Advocate for your best interests throughout the process

It's important to involve your REALTOR® early, ideally before your first visit to a builder's model home, since many builders require your agent to accompany you on your initial visit.

Real estate is about more than finding a home online. A local REALTOR® brings market knowledge, negotiation experience, and insight that can help you avoid costly mistakes.

As someone who lives and works in Central Texas, I provide guidance tailored to our local market—from understanding neighborhood trends to reviewing comparable sales and navigating the Texas contract process.

My goal is to make sure you feel informed and confident from your first showing to closing day.