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What to look for when buying a house
There’s a lot to consider when buying a house, from the number of bedrooms and bathrooms, to the amount of outdoor space, to local amenities and neighborhood safety.

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:

1. Location
2 .Price
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)

A great Realtor or real estate agent is key here. They can help you think about your priorities and measure the homes you view against those criteria.

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.  

Are you ready to see how much home you qualify for? 

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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.

FHA Loan

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.

VA Loan

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


Conventional Loans

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 

Moving to Texas?

Meet your Dedicated Relocation Team 
Schedule a Buyer Consultation with Deoir The Realtor to go in depth about the buying process and your specific needs. 
Need to get your finances together and get "Pre-Approved"? Start the loan process with Desiree Thomas: With access to hundreds of lenders, we have a loan program that will fit your situation.

Desiree Thomas 

My professional goals are centered around empowering and educating home buyers in their journey towards homeownership. As a part of Equity Smart Home Loans, I'm dedicated to demystifying the loan programs and lending processes, ensuring that individuals and families have the knowledge and confidence they need to make informed decisions about one of life's most significant investments.

I'm passionate about sharing insights into different loan options, interest rates, and payment plans, tailoring solutions to match each client's unique financial situation and homeownership aspirations. By offering clarity and support, my goal is to guide home buyers through a smooth and transparent experience, helping them secure a place they can truly call their own.

Beyond mortgages, I'm driven by a love for travel and home improvement. As I explore the world and enhance living spaces, I aim to bring these passions together, fostering a well-rounded understanding of both global cultures and the importance of creating a comfortable and inviting home environment.

Ultimately, my professional journey is dedicated to promoting financial literacy, sharing knowledge, and contributing to the dreams of individuals and families as they embark on their homeownership adventure

Communication is key. You can feel confident in your Top Local Homes Team to get you to the closing table finish line. 

Licensed Loan Origination in the state of Texas.

NMLS 287792.

Equal Housing Lender

Equity Smart Home Loans NMLS 85617

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Home purchase loan options

Create your own secure portal by clicking on Start Loan Process and secure your pre-approval

Top Local Homes provides your own personal Loan Officer to guide you through the finance process.
Why decided on just one finance option when you may have many options to choose from.
Each of the Loan types above has several loan products available to meet your specific financial goals.
Keep Scrolling down to see the criteria for each of these loan types. 

Deoir Thomas 

Thinking of selling your home? Sellers I will provide a free Market Analysis of your home. Using tools like a CMA ensures your home is priced to sell. With my listing service, I roll out the red carpet and promote your home with a heavy internet presence as well as frequent open house promotions. Your home will sell faster with my red carpet service.

Ready to purchase your home? As your realtor I will provide the most update information on current homes listed as well as information on new home builders throughout the great Houston area. I take the pain out of the home search and do all the heavy lifting to make sure we locate the perfect home. I am partnered with several lenders to be sure you can get your approval and start shopping fast!

As your realtor I will provide you with information on mortgage companies who will help you get approved for your next home. I have the knowledge to explain the bond and grant programs offered, saving you time and money. I have a concierge service to help with utility connections to ensure a stress free move.