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The Home Loan Process
Buying a home is easier when you know what to expect. Here is a quick path from hello to keys.
1 / Talk to a lender and get pre-approved
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Share basics on income, assets, debts, and credit.
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You will receive a pre-approval letter that helps set your budget.
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I can introduce you to several local lenders upon request. You are free to use any lender you choose.
2 / Shop with confidence
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With a price range in hand, we tour homes and watch new listings.
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I will keep your lender in the loop on timelines and contract dates.
3 / Apply and move to processing
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Once you pick a home, your lender completes the full application and provides a Loan Estimate.
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Processing orders the appraisal and verifies documents. You may be asked for updates along the way.
Ready to Connect with a Lender?
Finding the right lender can make a big difference in your home-buying experience.
I work with trusted local professionals who offer a range of loan programs and competitive options to fit your goals.
If you would like a few recommendations, I can share lenders my clients have had great experiences with.
You are always free to choose any lender you prefer.
4 / Underwriting
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The underwriter reviews the file for program and guideline compliance.
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You may be asked for letters of explanation or fresh statements. Respond quickly to keep things on track.
5 / Clear to close and signing
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You receive a Closing Disclosure at least three business days before signing.
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Set up homeowners insurance and arrange your funds to close.
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You sign at the title company, the loan funds, and you receive keys.
Texas Tips to Plan For
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Property taxes and homeowner’s insurance are higher in some counties, budget for escrows.
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Many communities have HOA dues, ask your lender to include them in the number you qualify for.
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Common loan types in Texas include Conventional, FHA, VA, and USDA. Your lender will explain which fits your goals.
