Buyer's Guide

Notice I said to decide on your budget—not to determine how much the mortgage company will lend you. Mortgage companies often pre-approve buyers for more than they might comfortably spend, which is why it’s essential to calculate the monthly payment you feel good about before consulting a lender. This includes doing a full household budget, considering both your current expenses and any new ones you might face as a homeowner. For example, if you’re used to living in an apartment or with roommates, you may not have had to pay for things like garbage, water, or HOA fees—costs that can easily add up and strain your budget.

Choosing the right real estate agent makes all the difference—especially as a first-time buyer. Working with an agent who not only knows the Austin Metro market but is truly dedicated to your needs can make the process smoother, less stressful, and more enjoyable. Our team specializes in guiding home buyers like you, from identifying neighborhoods that meet your criteria to crafting a competitive offer within your budget. We’ll be with you every step of the way, ensuring you feel informed and confident in every decision. Teamwork makes the dream work. Let us be your trusted partner in finding a home you’ll love.

After finding your ideal home, let’s collaborate to create a fair and strategic offer, considering the value of comparable properties. Depending on the listing price and whether it’s a buyer’s or seller’s market, your offer could be below, at, or above the asking price. I’ll guide you through negotiations if a counteroffer arises, helping to secure a mutually agreeable price. Once accepted, your new home will officially enter escrow

Now it’s time to revisit your mortgage lender, who pre-approved or pre-qualified you, and finalize your loan selection. You’ll review various options tailored to your financial profile, including fixed- and variable-rate loans, 15- or 30-year terms, or special programs such as VA or FHA loans. Work closely with your lender to select the mortgage option that best fits your comfort level and financial goals.

While paperwork might not be the most thrilling step, it’s the final stretch! Your lender and title company will handle the details, and once everything is ready, we’ll schedule a convenient closing date for you to sign the final documents, present funds, and officially become the proud owner of the home you chose.