WITH UNITED REAL ESTATE
FIND THE PERFECT PLACE TO CALL HOME
We are standing by ready to assist with your home buying needs.
Don't miss out!!!
Complete the form below to schedule a tour with a licensed agent.
Let us open the door for you!
Ask us about the $20,000 credit towards closing costs
So how do you prioritize everything and decide which home is right for you?
On a survey of several real estate and housing experts what’s most important to look for when buying a house.
They agreed on eight key factors to keep in mind:
3. Home style and size
4. Home amenities
5. Quality of schools
6. Taxes and cost of living
7. Size of the property
8. Homeowners association (if applicable)
Above all, make sure you come prepared with a “must-have” list. And if any homes don’t make the cut, be ready to walk away. This can be hard to do (especially in a hot market), but you’ll thank yourself a few years down the road when you’re settled in a home you love.
Our purpose is to create a positive, meaningful real estate life experience for all families we serve.
We are passionate about our priorities
We believe that people buy people, before they buy products or services. Our goal is to facilitate the ordinary to become extraordinary. We believe in complete transparency to foster trust with our clients, agents and employees. We are fiercely loyal to our clients’ interests and endeavor to positively exceed their expectations.
We value people before profit
God, Family, Business
Like and subscribe to all of our channels to be notified of new uploaded content
While you are awaiting a call back, please use the link below to browse available homes.
What Credit Score Do You Need to Buy a House in Texas?
Texas has a highly competitive housing market as people travel to the state for its culture and a vast range of alternatives, from small towns to booming cities. As a result, competition might be fierce. But don't worry, you'll find a home in your price range.
Of course, the amount of money you need to buy a home in Texas is determined by your personal financial position, including your credit score. According to one survey, the average credit score required to buy a home in Texas ranges from 662 to 730. It's vital to remember that the higher your credit score, the more likely you'll qualify for the best mortgage rates.
Most Texas lenders will require a credit score of at least 580 to grant a government-backed Federal Housing Administration (FHA) Loan.
Borrowers wishing to buy a home in rural Texas may be eligible for the USDA's Single-Family Housing Direct Home Loan Program. While there is no stated minimum criterion, those with credit scores of 640 or higher are eligible for the USDA's automated underwriting procedure.
A VA Loan is another government-backed mortgage alternative. These are available to veterans as well as other qualified service members and spouses. However, most lenders prefer credit scores between 580-620. The Texas Veterans Land Board also provides a home loan to qualified veterans in the state. Lenders participating in this program normally require a minimum credit score of 620
Unlike FHA, USDA, and VA loans, conventional loans are not backed by the government. These loans may offer more flexibility and possibilities, but they also have tighter credit score criteria. You'll most likely need a credit score between 620 and 640 to qualify for a conventional loan in Texas.
Steps To Buy A House In Texas
Whether you are ready to buy a house right now or are just starting to think about it, there are a few steps you can do to get started when buying a home in Texas.
1. Evaluate Your Financial Situation
2. Get Pre-Approved for a Mortgage, We can help.
3. Find a Local Real Estate Agent
4. Sign a Buyer's Rep Agreement with us
5. Choose the Right Neighborhood
6. Discuss What You Want Before You Start Looking
7. Start House Hunting
8. Make an Offer on the House of Your Dreams
9. Sign the Contract
10. Apply for a Mortgage
11. Schedule a Home Inspection and Appraisal
12. Get Homeowners Insurance
13. Finalize and Close on the House