Local Experts. Real Answers. Contact Me Today.
As local real estate experts, I know the area inside and out. Contact me for personalized guidance based on your goals and location.
117 12th Ave N
Texas City, TX 77590
REALTOR® | Mortgage Loan Originator NMLS 2558498 | Notary Public
Homes for Heroes®
Our experts answer your questions about buying a home
How much do I need for a deposit to buy a house?
Most lenders still like 10% down, but you can buy with less:
3% down – Conventional 97, HomeReady®, or Home Possible® for qualifying buyers.
5% down – Standard conventional loans; more widely available.
0% down – VA loans (veterans/active duty) and USDA loans (eligible rural areas).
Lower down payments usually mean higher monthly costs, so factor in flood and windstorm insurance common along the coast.
How long does it take to buy a house?
The timeline can vary, but once you’ve found a home, the buying process typically takes about 30 to 45 days from offer to closing. In most cases, you can expect it to wrap up in roughly 4 to 6 weeks, though unique situations may take longer.
What is the process for buying a house?
Start by working out what you can afford with our mortgage calculator. Consider how much stamp duty you’ll pay and if you can improve your credit score before you pre-apply for a mortgage.
Then for the exciting bit: start house-hunting. Use our handy search tools to narrow down your search, whether you’re looking for a cottage, period property or fixer upper. Don’t forget to take our viewing checklist along to keep sight of the important things.
When you find a place you love, hire a conveyancer to help you make an offer and sort the paperwork. There might be some negotiations before you exchange and complete.
What credit score is needed to buy a house?
A healthy credit score can get you a better mortgage deal, as it shows lenders you’re reliable at repaying money.
The three credit scoring agencies in the US have different point systems – but the higher the number, the better.
You can improve your credit score by paying off debts, getting on the electoral roll and making consistent credit payments.
