Texas First-Time Home Buyer Step-by-Step 2026: From Pre-Approval to Keys

Texas First-Time Home Buyer Step-by-Step 2026: From Pre-Approval to Keys

What Does It Actually Take to Buy Your First Home in Texas in 2026?

Buying a first home in Texas in 2026 involves nine distinct steps, several Texas-specific legal requirements that do not exist in other states, and a timeline that typically runs 60 to 120 days from your first conversation with a lender to your closing day. The process is manageable and well-defined, but it punishes buyers who skip steps, rush decisions, or do not understand the contracts they are signing.

TL;DR: The Texas purchase process starts 60-90 days before you start touring homes, with a full lender pre-approval. Once you have a signed contract, the typical timeline from contract to closing runs 30-45 days. Texas has unique features most other states do not: an option period (usually 7-10 days) that costs a negotiable fee and gives you an unrestricted right to terminate, a MUD/PID disclosure requirement that must be signed before contract execution, and T-2 title insurance with simultaneous-issue discounts when you buy both an owner's and lender's policy at once. In Harris County, the median single-family closing price is $332,000 per HAR's April 2026 data. The most common first-time buyer mistake is waiving the inspection to compete. That is the one step you should never skip.

Step 1: Get Pre-Approved (60-90 Days Before You Start Touring)

The single biggest mistake first-time buyers make is starting their home search before they have a real pre-approval letter in hand. Browsing is harmless. But once you are emotionally attached to a house and then learn you cannot qualify for the financing you need, the disappointment is avoidable.

Pre-approval versus pre-qualification: These terms sound similar but mean different things. A pre-qualification is typically based on self-reported income and debt, with no documentation verification. A pre-approval involves the lender pulling your credit report, verifying income documents (W-2s, tax returns, pay stubs), reviewing bank statements, and running your file through automated underwriting software (Fannie Mae's Desktop Underwriter or Freddie Mac's Loan Product Advisor). A DU or LP approval is what Houston listing agents actually want to see. A pre-qualification letter from a lender who has not verified your documents is not competitive in the current market. Our full breakdown of what constitutes a strong pre-approval is in our Texas pre-approval vs pre-qualification 2026 guide.

Start your credit 90 days early: Credit scores are the single most powerful variable in your mortgage rate. A 740+ credit score on a conventional loan in 2026 could mean 0.25%-0.75% lower rate than a 680 score. That is real money: on a $280,000 loan (30-year fixed), a 0.50% rate difference is approximately $85 per month, or $30,600 over the life of the loan. Pull your free credit reports at AnnualCreditReport.com 90 days before you plan to buy, dispute any errors, and pay down revolving balances to below 30% utilization before your lender pulls your file.

Texas-specific first-time buyer programs to ask about:

• TDHCA My First Texas Home: 30-year fixed rate loans with down payment assistance (DPA) up to 5% of the loan amount toward down payment or closing costs. Available to first-time buyers (or those who have not owned a home in the past three years) and requires completion of an approved homebuyer education course. Credit score minimum of 620 for FHA/VA/USDA loans. Per TDHCA's program matrix (updated April 6, 2026), income limits apply by county.

• TSAHC Home Sweet Texas / Homes for Texas Heroes: The Texas State Affordable Housing Corporation offers similar DPA programs with credit scores as low as 620 for FHA and a mortgage credit certificate (MCC) that gives eligible buyers a dollar-for-dollar federal tax credit of 15% of annual mortgage interest paid. On a $280,000 loan at 6.5%, that is approximately $18,200 in first-year interest times 15% equals $2,730 in direct federal tax savings every year you own the home.

How long does pre-approval take? With a responsive lender and organized documents, a full pre-approval can be completed in 3-5 business days. Give yourself a buffer. Do not start seriously touring homes until you have the letter.

Step 2: Build Your Budget and Wants List (Before Touring)

A pre-approval letter tells you the maximum loan the lender will approve. It does not tell you the maximum you should borrow. These are different numbers, and conflating them is a common first-time buyer error.

Build your true monthly budget first: Your PITI payment (principal, interest, taxes, insurance) should generally not exceed 28%-31% of your gross monthly income for conventional loans, though FHA and TDHCA programs allow up to 43%-50% DTI with automated underwriting approval. In the Houston metro, property tax rates for homes in MUD districts commonly run 2.5%-3.5% total effective rate, which significantly affects the monthly payment compared to areas without MUD taxes. A home in a MUD district in Katy or Cypress can carry $500-$800 per month more in property taxes than a comparable home in an established city-limits area like Bellaire or West University Place.

Use this framework to build your real number:

Then build your wants list with a clear distinction between must-haves and nice-to-haves:

Must-haves are non-negotiables: minimum bedrooms, required school district, maximum commute time, specific accessibility features. If a home does not meet your must-haves, you pass regardless of how attractive other features are.

Nice-to-haves are items you want but will not walk away from a deal over: specific garage configuration, a pool, a kitchen island, proximity to a specific park. These are features you negotiate around, not features you let drive major decisions.

Having this list written down before you start touring prevents the emotional bias of falling in love with a property that does not actually meet your stated requirements.

Step 3: Select Your Agent and Sign the Written Buyer Representation Agreement

Texas law, as of January 1, 2026, requires that any licensed real estate agent who shows you a home must have a written buyer representation agreement with you first, under TRELA Sections 1101.562 and 1101.563. This was already required for NAR member agents since August 17, 2024 under the NAR settlement, but Texas now extends it statewide by law.

The agreement must specify: the services being provided, the termination date, whether the representation is exclusive or non-exclusive, the compensation amount (as a specific percentage or dollar amount, not an open-ended statement), and a conspicuous notice that broker compensation is fully negotiable and not set by law.

Read the agreement before signing. Negotiate the duration (start with 30-60 days, not a 6-month exclusive), verify the compensation terms are clear, and confirm the geographic scope covers the areas you plan to search. Your agent's compensation in most Houston transactions continues to be paid by the seller as a contribution under TREC Paragraph 12A(1)(b) of the One to Four Family Residential Contract, but the mechanism changed post-NAR settlement. Our detailed explanation of how this works is in our NAR settlement effects on Texas buyers guide.

What to look for in an agent: Ask how many buyer transactions the agent closed in the past 12 months, specifically in the price range and neighborhoods you are targeting. Ask about their familiarity with TREC forms, specifically the One to Four Family Residential Contract (Form 20-17), the Third Party Financing Addendum (Form 40-9), and the Amendment to Contract (Form 39-8). Ask whether they use a transaction coordinator. An experienced agent in your specific market is far more valuable than a household name.

Step 4: Search and Tour (Using HAR.com and Listing Alerts)

Texas's most complete local MLS data for the Greater Houston area is on HAR.com. Set up a saved search with listing alerts for your target parameters: geography, price range, bedrooms, and square footage. HAR's data is generally updated within 24-48 hours of a new listing going active.

Set alerts for new listings: In a 4.9-month supply market, the best-priced homes in the right neighborhoods still receive multiple offers. Setting up HAR email alerts ensures you see new listings within hours of them going active, rather than days.

What to evaluate on tours: Beyond the checklist items (roof condition, HVAC age, water heater, foundation), look for:

• Flood zone status: Ask your agent to pull the FEMA flood map for any property you are considering. Harris County has extensive flood history, and properties in Zone AE (100-year floodplain) require separate flood insurance through NFIP or private market, which can cost $800-$3,000+ annually depending on elevation and the property's Risk Rating 2.0 classification. The Seller's Disclosure Notice (required by Texas Property Code Section 5.008) must disclose whether the property has ever flooded, whether it is in a 100-year floodplain, and any known water penetration.

• MUD/PID district: If the property is in a Municipal Utility District or Public Improvement District, the seller is required by Texas Water Code Chapter 49 to deliver a written MUD Notice to you before the contract is executed. This notice discloses the district's tax rate, bonded indebtedness, and standby fees. Failure to deliver this notice gives you the right to terminate the contract at any time prior to closing, per TREC's MUD notice guidance.

• HOA existence: If the property is in a mandatory-membership HOA, Texas Property Code Section 5.012 requires the seller to provide written notice including the HOA name, current assessments, and any pending special assessments before contract execution.

Step 5: Write the Offer and Negotiate (Understanding TREC 1-4)

The Texas One to Four Family Residential Contract (Resale), known as TREC Form 20-17, is the standard purchase contract for residential resale transactions in Texas. All licensed real estate agents must use TREC-promulgated forms for these transactions under Texas Occupations Code.

Key paragraphs to understand before signing:

Paragraph 5: Earnest Money and Option Fee

These are two separate payments. Earnest money (Paragraph 5A) is the deposit that demonstrates your intent to close and is held in escrow at the title company. Typical earnest money in the current Houston market is 1%-2% of the purchase price, so $3,300-$6,600 on a $330,000 home. Earnest money is at risk only if you default on the contract outside of a legal termination right. You get it back if the deal falls through due to a failed financing contingency, failed appraisal (if you exercised your rights), or exercised option period termination.

The option fee (Paragraph 5B) is a separate, non-refundable payment you make to purchase the unrestricted right to terminate the contract during the option period. Per TREC's explanation of the option fee delivery rules (updated April 2021), the option fee is delivered to the escrow agent within three calendar days of the contract effective date, and the title company releases it to the seller. It is never refundable, but it is credited to the purchase price at closing. For our deeper explanation of how earnest money and the option fee interact with termination rights, see our Texas earnest money 2026 guide.

Paragraph 12: Seller's Contribution to Buyer's Costs

This is the primary mechanism through which sellers in Houston currently contribute toward buyer's agent fees and/or buyer's closing costs. Paragraph 12A(1)(b) allows the seller to agree to contribute a specific dollar amount toward buyer brokerage fees the buyer has agreed to pay. Paragraph 12A(2) covers seller contributions toward non-broker closing costs (loan costs, title fees, prepaid items). In the current buyer-favorable market, asking for 2%-3% seller concessions on closing costs is reasonable in many price bands below $450,000.

Paragraph 23: Termination Option

This paragraph creates the option period. Fill in the number of days (typically 7-10 for first-time buyers; enough time to complete a full inspection) and the option fee amount. The option fee is negotiable. In the current market with 4.9 months of supply, $200-$500 option fees are common on homes under $400,000. The option period gives you the right to terminate for any reason, including no reason, and receive your earnest money back. It does not give you a right to demand repairs; repairs are separately negotiated.

Third Party Financing Addendum (Form 40-9)

If you are financing the purchase (virtually all first-time buyers are), your agent attaches this addendum to the contract. It specifies the loan type, amount, interest rate cap, and time to obtain financing approval. If you cannot obtain financing approval by the deadline stated in the addendum, you have the right to terminate the contract and receive your earnest money back. This is the financing contingency. Do not waive it.

Step 6: The Option Period and Inspection (Days 1-10 After Contract)

The clock starts on the effective date of the contract (the date the last party signs). Days in Texas contracts are always calendar days, not business days. Per TREC's option period basics guidance from the Texas Real Estate Research Center, count the effective date as Day Zero. A 10-day option period on a contract executed Monday, June 2 ends at 5:00 p.m. local time on Thursday, June 12.

Get the inspection done in the first 3-5 days. Do not wait until Day 8 of a 10-day option period to schedule an inspection. Licensed Texas home inspectors are busy in the spring and early summer market. Schedule immediately after signing.

A thorough Texas home inspection covers the structure, foundation, roofing, plumbing, electrical, HVAC, appliances, and more. Expect to pay $400-$700 for a standard single-family home inspection in the Houston metro, with additional fees for a pool inspection ($100-$150), sewer scope ($150-$250), and sprinkler inspection ($75-$125). These are not optional costs. A $500 inspection on a $340,000 purchase that reveals $18,000 in deferred maintenance or undisclosed foundation issues is the best money you will ever spend.

After the inspection, you have three choices:

1. Proceed as-is (if the inspection is clean or minor items only)
2. Negotiate repairs or credits using the TREC Amendment to Contract (Form 39-8)
3. Terminate within the option period and receive your earnest money back

Most experienced agents in Houston recommend asking for a repair credit on your closing disclosure (reducing your cash to close) rather than asking the seller to make repairs. Sellers often use the lowest-cost contractor; you get to use the money on the contractor of your choice after closing.

What to never do: Waive the inspection to make your offer more competitive. The inspection is the one protection in the Texas contract that is entirely within your control. Option period termination is clean, fast, and recovers your earnest money. A post-closing defect claim against a seller requires litigation under the Texas Deceptive Trade Practices Act and takes years. Always inspect.

Step 7: Appraisal and Financing Approval (Days 5-25 After Contract)

After the option period, the lender orders the appraisal. The appraiser is selected by an Appraisal Management Company (AMC) to ensure independence from the lender and buyer. In the Houston metro, appraisals typically run $500-$750 for single-family homes.

The Third Party Financing Addendum and what it protects: The financing addendum gives you the right to terminate the contract and recover earnest money if the appraisal comes in below the purchase price AND the seller will not reduce the price to the appraised value. Specifically, the addendum allows termination if the property's value is determined to be less than the purchase price or the lender determines the buyer cannot qualify for the loan. Consult with your agent and lender on whether the addendum allows for a specific appraisal gap coverage amount (common in competitive markets).

What happens if the appraisal comes in low:

• Seller reduces price to appraisal value (common in the current buyer-favorable market)
• Buyer pays the gap in cash (paying above appraised value out of pocket)
• Parties negotiate a middle ground
• Transaction terminates if no agreement is reached (buyer recovers earnest money per the financing addendum)

Rate lock: Ask your lender about rate lock options at the time of contract. A 45-day rate lock on a purchase loan protects you from rate increases during the underwriting period. In a market where rates can move 0.125%-0.25% in a week (as we have seen in 2026), a locked rate is meaningful protection. Our detailed guide on credit score requirements and rate pricing is at our credit score requirements guide.

Clear to Close: Once the appraiser delivers the report and the underwriter reviews all conditions, the lender issues a "Clear to Close" (CTC) confirmation. This is your green light that financing is approved and the closing date can be confirmed. In an uncomplicated purchase transaction in Houston, expect CTC 5-10 days before your scheduled closing.

Step 8: Final Walk-Through

Within 24-48 hours before closing (usually the morning of closing day), you and your agent do a final walk-through of the property. This is not another inspection. The purpose is to confirm:

• The property's condition is substantially the same as when you wrote the offer
• Any negotiated repairs have been completed
• No new damage has occurred (appliances still work, HVAC still functions, no storm damage)
• All personal property the seller agreed to leave (refrigerator, curtains, etc.) is present
• All items the seller was to take have been removed

If you find a problem at the final walk-through, contact your agent immediately. You can delay closing to give the seller time to remedy a significant issue, negotiate a holdback (where a portion of seller proceeds are held in escrow until the repair is completed), or in severe cases, consider whether termination is appropriate. Issues found at the final walk-through are rare; most closings proceed smoothly.

Step 9: Closing Day - What to Expect at the Title Company

Texas residential closings take place at a title company, not at an attorney's office or courthouse. Texas is not an attorney-state for closings. The title company serves as escrow agent, issues the title insurance, and disburses funds. Every title company you work with in Texas is regulated by the Texas Department of Insurance.

Texas T-2 Owner's Policy and Simultaneous-Issue Discount

Texas uses standardized title insurance forms promulgated by TDI. The owner's title policy is the T-1 (standard owner's policy). However, most first-time buyers in Texas receive a T-2 policy, which is the Residential Owner Policy of Title Insurance: it provides the same coverage as a T-1 but is designed specifically for 1-4 family residential properties. The lender simultaneously requires a mortgagee title policy (T-2R, the residential loan policy) to protect the lender's interest.

When both the owner's policy and the lender's policy are issued simultaneously (at the same closing for the same transaction), Texas's title rate rules (TDI Rule R-5, Simultaneous Issuance) provide a significant discount: the lender's policy is issued at a reduced premium. On a $340,000 purchase with a $272,000 loan, the simultaneous-issue discount can save $200-$500 compared to buying the policies separately. Confirm with your title company that you are getting the simultaneous-issue rate.

What to bring to closing:

• Government-issued photo ID (Texas driver's license, passport)
• Certified funds or wire transfer confirmation for your cash to close (personal checks are not accepted for closings in Texas)
• Any remaining documents your lender requested

Cash to close: Your closing disclosure (required by federal RESPA rules to be delivered at least 3 business days before closing) will show your exact cash-to-close figure. For Texas closings, typical buyer closing costs on a $340,000 purchase with conventional financing run 2%-4% of the purchase price, or $6,800-$13,600. This includes lender fees (origination, appraisal, credit report, flood certification), prepaid items (first year's homeowners insurance, property tax escrow preload, prepaid interest), and title/closing fees. Our detailed breakdown is in our Texas closing costs guide.

The closing process:

At the title company, you sign the deed, the deed of trust (mortgage), the closing disclosure, and various lender documents. First-time buyers should budget 60-90 minutes for signing. After all documents are signed and funds are confirmed, the title company records the deed with the county and disbursement is released. In Texas, recording and disbursement typically happen on the same day (same-day funding). You receive your keys when the transaction is funded.

After closing, review our How to Read a Texas Closing Disclosure guide to understand every line of the document you signed.

Typical Texas Home Buying Timeline

Texas-Specific Items You Must Know

Option Fee: A non-refundable payment (typically $100-$500 on homes under $500,000) that purchases your unrestricted right to terminate during the option period. Required by Paragraph 5B/23 of TREC Form 20-17. Delivered to escrow agent within 3 calendar days of the effective date. If you terminate within the option period, the option fee goes to the seller and your earnest money is returned. The option fee is credited to the purchase price if you close. Never waive the option period.

MUD/PID Disclosure: Required by Texas Water Code Chapter 49 before contract execution. If the property is in a Municipal Utility District, you must receive and sign the MUD Notice before you sign the purchase contract, not at closing. The notice discloses the district's current tax rate and bonded indebtedness. Many new-construction neighborhoods in suburban Houston (Cypress, Katy, Pearland, Conroe, Humble) carry MUD taxes that add $1,000-$3,000+ per year to your total tax bill. Failure by the seller to deliver this notice gives you the right to terminate the contract at any time prior to closing per TREC's MUD disclosure guidance.

Seller's Disclosure Notice: Required by Texas Property Code Section 5.008 for previously occupied single-unit residential properties. The seller must disclose known defects, flood history, HOA membership, and environmental conditions. The current TREC Seller's Disclosure Notice form underwent updates in early 2026 to address water rights and insurance coverage items. Review this document carefully before signing the contract.

T-2 Title Insurance: Texas uses standardized title insurance forms and rates set by TDI. Unlike most states, you cannot shop for title insurance on price, because premiums are mandated by the state. You can shop on service quality and escrow competency. In the Houston metro, well-regarded title companies include Independence Title, Lawyers Title, Stewart Title, and Allegiance Title.

Same-Day Funding: Texas law requires the title company to disburse funds on the same day the deed is recorded if funds are received by a specified time (usually early afternoon). You get your keys the day of closing, not days later, which is the norm in some other states.

Five Common First-Time Buyer Pitfalls to Avoid

1. Waiving the Inspection. Never waive the inspection. The option period costs you a small non-refundable fee to purchase protection against an unknown condition. The math is simple: $300 option fee plus $500 inspection protects you from $340,000 in exposure. Waiving the inspection saves nothing and exposes you to unknown defects you cannot claim against post-closing without expensive litigation.

2. Low Earnest Money That Signals Weak Intent. Low earnest money (under 0.5% of purchase price) signals to sellers that you are not serious. On a $340,000 purchase, $1,000 earnest money is notable in a market where other buyers are offering $3,000-$5,000. In a balanced market, this may still work, but in a multiple-offer situation, it weakens your position significantly.

3. Not Rate-Locking When You Should. Rates moved 0.25%-0.50% in single weeks during 2025-2026. Once your contract is executed, ask your lender about locking immediately. A 45-day lock protects the rate you underwritten. Floating the rate in hopes it drops is speculation, not strategy.

4. Major Financial Changes During Underwriting. Do not change jobs, take out new loans, buy a car, open new credit cards, or make large unexplained deposits between contract execution and closing. The lender re-pulls your credit before funding. Any new credit inquiry or account can require new documentation, delay closing, or in some cases trigger a loan denial. Keep your financial picture static from contract to closing.

5. Skipping the Homebuyer Education Course. If you are using a TDHCA or TSAHC down payment assistance program, the homebuyer education course is mandatory. Even if you are not using a DPA program, the TSAHC and TDHCA courses are available online and free or low-cost. They cover exactly the material in this guide in more detail, and completing one before you tour your first home will make you a better-prepared buyer.

Frequently Asked Questions

What is the Texas option period and how much does the fee cost?

The Texas option period is an unrestricted right to terminate the purchase contract during a specified time window, created by Paragraph 23 of the TREC One to Four Family Residential Contract. The buyer pays a non-refundable option fee (delivered to the title company within 3 calendar days of the effective date) in exchange for this right. Per TREC's official option period guidance from the Texas Real Estate Research Center, the option fee amount is fully negotiable between buyer and seller. In the current Houston market with 4.9 months of supply, option fees on homes under $400,000 typically range from $150 to $500. The fee is credited to the purchase price at closing. If you terminate during the option period, the option fee stays with the seller and your earnest money is returned.

What is a MUD tax and how do I find out if a Texas home is in a MUD?

A Municipal Utility District (MUD) is a special-purpose governmental entity in Texas that issues bonds to finance water, sewer, and drainage infrastructure in new developments. MUD bonds are repaid through property taxes charged to homeowners within the district's boundaries. In practice, a Houston-area home in a MUD district may carry an additional $1,500-$3,500 per year in property taxes beyond the county and school district tax. Under Texas Water Code Chapter 49, the seller must deliver a written MUD Notice disclosing the district's name, current tax rate, and bonded indebtedness before you sign the contract. You can also look up MUD boundaries at the Texas Commission on Environmental Quality's MUD database. Failure to deliver the notice gives you the right to terminate the contract at any time prior to closing.

How much earnest money is typical in Texas in 2026?

Earnest money in Texas is negotiable, but in the Houston metro market in 2026, the typical range is 1%-2% of the purchase price, or $3,300-$6,600 on a $330,000 home. Earnest money is held at the title company and is at risk only if you default on the contract outside of an applicable termination right. It is returned to you if you terminate within the option period, if the financing contingency is invoked (lender cannot approve the loan), or if the seller breaches the contract. Our Texas earnest money 2026 guide covers every scenario where earnest money is returned, forfeited, or contested.

What is the T-2 title insurance policy in Texas and who pays for it?

In Texas, title insurance forms and premium rates are standardized by the Texas Department of Insurance. The T-2 Residential Owner Policy of Title Insurance protects the buyer's ownership interest in the property. In Texas, custom and practice dictates that the seller typically pays for the owner's title policy in the Houston metro (this is negotiable and specified in the contract, but it is the prevailing convention). The buyer pays for the lender's mortgagee policy (T-2R), though buyers frequently negotiate for the seller to pay both in transactions where the seller has motivated reasons to close. When both policies are issued simultaneously at the same closing, the lender's policy premium is discounted under TDI's simultaneous-issue rule (Rule R-5). For a full breakdown of what you will pay at closing, see our Texas closing costs guide.

What credit score do I need to buy a home in Texas in 2026?

The minimum credit score requirement varies by loan type. Conventional loans (Fannie Mae/Freddie Mac) require a minimum 620 score but price best at 740+. FHA loans require a 580 minimum for 3.5% down payment, or 500-579 with 10% down. VA loans have no official FICO minimum but most lenders require 580-620. USDA loans require 640+ for GUS automated approval. For TSAHC and TDHCA down payment assistance programs, the minimum is 620 for FHA/VA/USDA. The rate difference between a 680 and a 740 score can be 0.25%-0.75% in 2026, which at current Houston median prices represents $50-$150 per month in payment. Our credit score requirements guide walks through exactly what each score tier costs you in monthly payment.

Can a Texas buyer back out after the option period ends?

After the option period expires, a buyer's ability to terminate and recover earnest money is limited to specific contractual rights. The primary remaining protections are the Third Party Financing Addendum (you cannot obtain loan approval), the appraisal contingency within the financing addendum (property appraises below purchase price and seller refuses to reduce price), and the title commitment review period (Paragraph 6D, typically 5-7 days after receiving the title commitment). Outside of these provisions, a buyer who backs out after the option period forfeits earnest money and may be subject to a suit for specific performance if the seller elects that remedy. This is why the option period exists: it is the clean, inexpensive exit window. Use it. Do not waive it.

Your First Step Starts Here

Buying a first home in Texas is a multi-month process that rewards preparation and punishes shortcuts. The buyers who have the best experiences are the ones who take the pre-approval seriously 60-90 days before they plan to move, understand the TREC contracts before they sign them, and work with agents and lenders who can explain every step before it happens.

Erick Harbert and the team at Harbert Real Estate Group at Realty Right have helped hundreds of first-time buyers through this process in the Spring, Conroe, Tomball, and North Houston area. If you have questions about any step in this guide, or you want to know what it would take to qualify for a home in the 77379 corridor right now, reach out directly.

Call or text (281) 305-2520, email [email protected], or visit harbertgroup.com to start the conversation.

Harbert Real Estate Group at Realty Right
6605 Cypresswood Dr Ste 300
Spring, TX 77379

Your first home is a decision you will live in for years. Start it right.