Your Complete Guide to Buying a Home in Texas
Expert guidance, market insights, and everything you need to confidently navigate the home buying process in Dallas-Fort Worth.
Track Your Journey
Where are you in the home buying process? Use our interactive timeline to track your progress and see what's next.
Where Are You in the Process?
Click each step to see detailed tasks and tips
Step 1: Financial Preparation
Get pre-approved for a mortgage to know your budget.
✓Key Tasks
- 1Check credit score and report
- 2Gather financial documents (pay stubs, tax returns)
- 3Meet with lenders and compare rates
- 4Obtain pre-approval letter
💡Pro Tips
- →Shop multiple lenders for best rates
- →Don't make major purchases before buying
- →Keep existing credit accounts open
Progress: 0 of 7 steps completed
Current Market Trends
Dallas-Fort Worth
Data as of November 2025 via North Texas Real Estate Information Systems
Top-Rated School Districts
Choosing the right neighborhood often means finding the best schools. Here are some of the highest-rated districts in our service areas:
Plano ISD
A+Dallas area
Outstanding academics, strong STEM programs, excellent extracurriculars
Frisco ISD
A+Dallas area
Rapid growth, modern facilities, comprehensive athletics
Rockwall ISD
A+Rockwall area
Top-rated schools, strong community support, excellent athletics
Ready to Start Your Search?
Ready to Start Your Home Search?
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What Our Buyers Say
Real verified reviews from families we've helped find their dream homes.
What You'll Learn:
- ✓How to determine your budget and get pre-approved
- ✓Common mistakes to avoid during home search
- ✓What to expect during the Option Period in Texas
- ✓Closing day checklist and what to bring
Additional Resources
Real Estate Glossary
Understand common terms like , , and .
View Glossary →Neighborhood Guides
Explore detailed insights into the best communities in Dallas-Fort Worth.
Explore Areas →Weekly Buyer Tips
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Frequently Asked Questions
Common questions from first-time and experienced buyers. Can't find your answer? Ask us directly.
What is the first step in the home buying process?
Getting pre-approved for a mortgage is the crucial first step. It determines your budget and shows sellers you are a serious buyer.
How much do I need for a down payment?
While 20% is standard to avoid PMI (Private Mortgage Insurance), many loan programs allow for as little as 3% or 3.5% down. FHA loans require 3.5%, conventional loans can go as low as 3%, and VA/USDA loans may require 0% down for qualified buyers.
What credit score do I need to buy a home?
Most conventional loans require a minimum credit score of 620, though FHA loans may accept scores as low as 580 (or 500 with 10% down). Higher credit scores typically result in better interest rates and loan terms.
How long does the home buying process take?
From pre-approval to closing typically takes 30-60 days, though this can vary. The home search phase varies widely (2-12 weeks), while the contract-to-close period is usually 30-45 days.
Should I get a home inspection?
Absolutely. A professional home inspection (typically $300-500) can reveal hidden issues that could cost thousands to repair. In Texas, the Option Period gives you time to conduct inspections and negotiate repairs or walk away if needed.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate based on self-reported information. Pre-approval involves submitting financial documents for lender verification, resulting in a commitment letter. Sellers take pre-approvals much more seriously.
Can I buy a home with student loan debt?
Yes! Lenders consider your debt-to-income ratio (DTI), typically requiring it to be below 43-50%. As long as your total monthly debts (including the new mortgage) stay within this range, student loans won't prevent you from buying.
What are closing costs and who pays them?
Closing costs (2-5% of purchase price) include loan origination fees, title insurance, appraisal, escrow setup, and recording fees. Buyers typically pay most closing costs, though you can negotiate for seller concessions or choose a lender credit in exchange for a higher interest rate.
Ready to Find Your Dream Home?
You've learned the process, explored the tools, and checked the market. Now it's time to take the next step.
No obligation. No pressure. Just honest guidance from experienced professionals.