Home Buyer's Guide

Buying a home in College Station, Texas, or Bryan, Texas, is exciting, and there are many considerations to be made prior to making your purchase. Getting prequalified, separating needs from wants, being flexible, pausing credit activities, and hiring the right agent are just a few things to take into consideration when buying a home. Our job is to help educate you and work tirelessly for you to make this a positive experience for you. Even if you don’t anticipate buying your new home at this time, there are several things you can be doing right now to become prepared for the process.



Get pre-qualified.

Getting pre-qualified for a home mortgage is a very quick process and gives you many advantages:

  • knowing how much house you can afford
  • becoming familiar lending requirements
  • knowing your credit
  • making your purchase offer credible to the seller
green arrow pointing to questions showing how to get pre-qualified for a home mortgage

Questions to ask yourself:

  • How much money do I need to set aside for my down payment?
  • What interest rate can I obtain?
  • Do I need to address anything on my credit report?

Separate your wants from your needs.

When setting the criteria for your home, it is important to differentiate between your WANTS and NEEDS. For example: You may NEED a garage, but you may WANT an attached garage. A detached garage may suit your needs just fine if the rest of the property is exactly what you want.

green arrow pointing to questions showing how to determinbe what features you need in a home

Questions to ask yourself:

  • What features about my home are must haves?
  • What features about my home are my wish list?

Be flexible.

Realize ahead of time that there will likely be frustrating and stressful moments during the home buying process. Being mentally prepared to deal with issues as they arise will help you keep your focus and get to closing.

For example: The general inspection reports there is a leak in the irrigation system. As a buyer, you will have multiple options to remedy this situation. Your realtor will help you navigate through these issues, but it is YOUR MONEY on the line and could end up being YOUR HOME. Being flexible will help ensure that you cross the finish line.

green arrow pointing to questions showing how to negotiate for a home

Questions to ask yourself:

  • Am I willing to engage in the negotiating process?
  • What are the areas that I am uncomfortable dealing with?

Pause new credit activities.

Buying a home is the largest purchase most of us will ever make. It is important that as a buyer, you do not make any changes to your credit history until after closing. Something as simple as opening a new credit account could cause the lender to deny the original pre-qualification

green arrow pointing to questions showing how to keep good credit history before purchasing a home

Questions to ask yourself:

  • Do I plan on purchasing anything between now and when I buy my home?
  • Do I plan on changing jobs between now and when I buy my home?

Hire the right buyer's agent.

Real estate agents come in many different flavors. The agent/client relationship must be one of mutual trust and respect. As a buyer, you are employing the agent and it is imperative that you feel comfortable with this person. Interview several agents and go with your gut.

green arrow pointing to questions showing how to hire the right real estate agent

Questions to ask yourself:

  • Do I trust my agent?
  • Am I the typical client my agent works with?

Think ahead.

It is sometimes difficult to think about what your family's needs will be in the future. But, If you can try to think 5 years down the line, you might avoid some growing pains.

green arrow pointing to questions showing how to think about family needs when purchasing a home

Questions to ask yourself:

  • Are we hoping to expand our family?
  • How close do I want to be to my children's school or my work?
  • What are the future development plans in the adjacent areas?

Look for unpolished diamonds.

When entering the home buying market, it is easy to get excited and overlook hidden gems. For example: What if the right house, for the right price, in the right neighborhood became available but had a terrible dog smell or an ugly paint color? These types of properties could present you with an opportunity from the outset to give yourself "sweat equity" through a DIY project. It could also give you the opportunity to add your style and taste to a home that needed some updating anyway.

green arrow pointing to questions showing how to look for a home that has potential for do it yourself projects

Questions to ask yourself:

  • How handy do I consider myself to be?
  • Would I be willing to replace floors or paint walls?
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