Question 1

What is the first step I should take in the home-buying process?

Accepted Answer

The most important first step is getting a full mortgage pre-approval. This defines your true budget and proves to sellers that you are a serious buyer.

Question 2

Can you recommend reputable mortgage lenders in the area?

Accepted Answer

Yes, I provide a list of top-tier DFW mortgage lenders who are proven to close on time and understand Texas-specific programs.

Question 3

How will you help me find properties that fit my specific needs and budget?

Accepted Answer

After a 'Buyer Consultation' to define your needs, I use instant MLS alerts and my agent network to find 'off-market' and 'coming soon' DFW properties.

Question 4

What is your process for showing me homes?

Accepted Answer

I create an efficient 'Tour Itinerary' and act as your consultant during showings, pointing out potential red flags (A/C age, foundation) and hidden value.

Question 5

How do you help me determine the right price to offer on a home?

Accepted Answer

I determine the right offer price with a detailed Comparative Market Analysis (CMA). Unlike a 'Zestimate,' I analyze 'Sold,' 'Active,' and 'Pending' comps to understand the immediate market direction.

Question 6

What strategies do you use to make an offer more competitive in a multiple-offer situation?

Accepted Answer

To win in multiple-offer situations, we use a strong pre-approval, offer a higher option fee, and use an 'As-Is' addendum (with inspections) to signal you are a serious buyer.

Question 7

What are common contingencies, and which do you recommend for my protection?

Accepted Answer

Contingencies are your 'safety exits.' The three most important are the Inspection Contingency (Texas Option Period), Financing Contingency, and Appraisal Contingency.

Question 8

What are the typical closing costs I should expect?

Accepted Answer

In Texas, budget 2% to 5% of the purchase price for closing costs. This is in addition to your down payment and covers appraisal, loan origination, title policy, and escrow account setup.

Question 9

How long does the home-buying process usually take from start to finish?

Accepted Answer

The entire home-buying process typically takes 45 to 90 days. From an accepted offer to closing day (the 'escrow period'), it's usually 30 to 45 days.

Question 10

Once my offer is accepted, what are the next steps?

Accepted Answer

Once your offer is accepted, you deliver the Option Fee and Earnest Money. You then use the Option Period (typically 7-10 days) to schedule inspections and negotiate any potential repairs.

Question 11

Can I Still Purchase a House If I Haven't Paid My Taxes Yet?

Accepted Answer

Yes, but it's complex. An IRS repayment plan is manageable, but the payment counts as debt, reducing your buying power. An active tax lien is a significant hurdle.

Question 12

Do I need 20% downpayment to purchase a home?

Accepted Answer

No, this is a common myth. While 20% down avoids Private Mortgage Insurance (PMI), many loan programs (like FHA or VA) allow you to buy with 0% to 3.5% down.

Question 13

What is the lowest amount of downpayment needed to become a homeowner?

Accepted Answer

The lowest down payment is 0% with VA Loans (for veterans) or USDA Loans (rural areas). FHA loans require 3.5% down, and some conventional loans start at 3%.

Question 14

When should I talk to a loan officer if I want to purchase a home?

Accepted Answer

Immediately. Talk to a loan officer before you look at homes, even if you're 6-12 months out. A good lender will give you a free 'Financial Game Plan' to get you ready.

Question 15

I just graduated college and just accepted a job offer, can I purchase a home?

Accepted Answer

Yes, this is common in DFW. Lenders can often use a signed employment contract with a guaranteed salary to qualify you if your start date is within 90 days of closing.

Question 16

What's the Difference Between Pre-Qualified, Pre-Approved, and Approved?

Accepted Answer

'Pre-Qualified' is a 10-minute guess. 'Pre-Approved' means you submitted documents and is the minimum needed for an offer. 'Approved' (or 'Clear to Close') means you are fully underwritten and ready to sign.

Question 17

How to Make an Offer on a House?

Accepted Answer

As your agent, I handle this. I draft the official Texas contract with your price and terms, send it for your e-signature, and formally present it to the seller's agent.

Question 18

How Long Does Closing on a House Take?

Accepted Answer

'Closing' has two meanings: 1) The 'Escrow Period' (30-45 days from offer to close) and 2) The 'Closing Appointment' (a one-hour meeting to sign final documents).

Question 19

Where can I find a realtor in McKinney to help me buy a house?

Accepted Answer

When looking for a McKinney buyer's agent, interview 2-3 REALTORS®. Ask about their experience with MUD taxes, local schools, and their strategy for finding off-market homes.

Question 20

Where can I find expert negotiation help for buying a house in Texas?

Accepted Answer

Look for a REALTOR® with the CNE (Certified Negotiation Expert) or RENE (Real Estate Negotiation Expert) designation. This proves they have advanced training in negotiation.

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