10 Steps Every First-Time Home Buyer in Texas Should Know

by Kathleen Courville

Buying your first home is exciting—but it can also feel overwhelming, especially in a fast-moving market like Texas. Whether you’re renting, serving in the military and relocating, or just ready to invest in your future, knowing what to expect can make the process easier and more rewarding.

Here are the 10 essential steps every first-time home buyer in Texas should know:

📝 1. Check Your Credit and Budget

Your credit score affects your mortgage rate and approval. Before you start house hunting:

Pull your credit report (you’re entitled to a free one annually)
Pay down high-interest debts
Avoid new credit inquiries

Then, create a realistic budget. Factor in monthly payments, insurance, taxes, utilities—and don’t forget savings for upfront costs like your down payment and closing costs.

💰 2. Determine What You Can Afford

Use a mortgage calculator to estimate what you can afford. A general rule: your housing expenses should be no more than 28% of your gross monthly income.

👉 Pro tip: If you’re active-duty military, factor in your BAH (Basic Allowance for Housing)—it often covers your entire mortgage payment.

🏦 3. Explore Loan Options (Including VA Loans!)

There are several loan types available, each with different benefits:

VA Loans – $0 down for eligible veterans and active-duty service members
FHA Loans – Lower credit requirements, 3.5% down
Conventional Loans – Often used with 3–5% down for qualified buyers

I’ll help connect you with trusted local lenders who specialize in first-time and military buyers.

✅ 4. Get Pre-Approved

Getting pre-approved is essential—it:

Shows sellers you’re serious
Helps define your price range
Speeds up the buying process

A lender will review your income, debt, and credit to issue a pre-approval letter, which you’ll include with offers.

🏡 5. Partner with a Local Real Estate Agent (Like Me!)

Having a buyer’s agent on your side costs you nothing—the seller pays our commission. I’ll help you:

Find homes that match your needs and budget
Negotiate the best price and terms
Navigate every step with confidence

I specialize in helping first-time buyers, military families, and renters become homeowners.

📍 6. Choose the Right Neighborhood

Your dream home is also about location. Consider:

School districts (Comal ISD is a top choice!)
Commute to work or base
Safety, amenities, and lifestyle

Neighborhoods like Spring Branch, Canyon Lake, and Bulverde are great for first-time buyers looking for space, affordability, and a welcoming community.

📝 7. Make an Offer

Once you’ve found the one, we’ll put in a competitive offer based on:

Recent comparable sales
Property condition
Your loan type and closing timeline

I’ll help craft a smart offer that protects your interests and catches the seller’s attention.

🧰 8. Schedule an Inspection

Never skip the inspection! It’s your chance to uncover any hidden issues—electrical, foundation, plumbing, HVAC, etc.

If repairs are needed, we can:

Renegotiate
Request credits
Walk away if necessary

📑 9. Finalize Financing and Appraisal

Your lender will order an appraisal to confirm the home’s value. You’ll also finalize:

Loan documents
Homeowner’s insurance
Title and escrow paperwork

If using a VA loan, rest easy—Texas has plenty of homes that meet VA appraisal guidelines.

🗝️ 10. Close and Move In!

Once everything is approved and signed, it’s time for closing day! You’ll:

Sign the final paperwork
Pay any closing costs
Receive your keys 🎉

Congratulations—you’re now a Texas homeowner!

👋 Ready to Start Your Home Buying Journey?

Whether you're PCSing to Texas, tired of renting, or finally ready to own, I’m here to guide you every step of the way.

Let’s make your dream of homeownership simple, smart, and successful.

📞 Kathleen Courville
📱 469-441-9517
📧 kathleencourvillere@gmail.com
🌐 kathleencourville-realtor.com