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Buying a home in Houston

The steps from "just looking" to keys in hand, and the straight answers you need along the way.

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Quick summary

  • Steps to buy a home in Houston: talk numbers, get pre-approved, shop with a Realtor, go under contract (appraisal, underwriting), close.
  • Many buyers need 0%–5% down, not 20%: FHA 3.5%, some conventional 3%, VA 0% for eligible veterans. Details: down payment in Houston.
  • Texas sellers can pay closing costs within program limits. Details: seller-paid closing costs.
  • Get pre-approved with Agustin Canales (NMLS #1484335): call or text (832) 531-4192. English o español.

The steps

  1. Talk numbers. Your budget, payment comfort and cash to close.
  2. Get pre-approved. So your offer is taken seriously.
  3. Shop with your Realtor. Use seller concessions or a buydown when it helps.
  4. Under contract. Appraisal, underwriting, clear to close.
  5. Closing day. Sign, fund, get the keys.

Start with these

Common questions

How much do I need for a down payment on a house in Houston?

It depends on the loan program. Many first-time buyers qualify with 0% to 5% down, not 20%. FHA loans start at 3.5% down, some conventional loans at 3%, and VA loans can be 0% down for eligible veterans. I'll tell you which programs fit after reviewing your income and credit.

Can a seller pay my closing costs in Texas?

Yes, within program limits. Conventional: up to 3% of the price with under 10% down, 6% with 10–25% down, 9% with 25% or more. FHA allows up to 6%. VA allows reasonable closing costs plus up to 4% in concessions.

Is a price cut or a seller-paid rate buydown better?

It depends on the numbers. A seller-paid buydown can lower the monthly payment more than a small price cut, for a similar cost to the seller. I'll run both side by side for the specific home.

Can I get a mortgage if I'm self-employed?

Yes. Lenders usually use your tax returns, and what matters is your income after write-offs. Talk to me before you file or buy so your income is documented the right way.

Ready to see your numbers?

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