Buy Your Home in Houston

It depends on the loan type. VA and USDA loans offer 0% down for qualified buyers. FHA requires just 3.5% down with a 580 credit score. Conventional loans can go as low as 3% for first-time buyers. We'll help you find the best option for your situation.

Pre-qualification is an estimate based on self-reported information. Pre-approval is much stronger—it involves a full credit check, income verification, and asset documentation. Sellers take pre-approved buyers seriously because they know you can actually close. We provide full pre-approvals in 24 hours.

From contract to closing, most purchase loans take 21-30 days. With a strong pre-approval, complete documentation, and responsive communication, we can often close in as little as 15 days. Cash-out refinances and complex situations may take 30-45 days.

Yes! Most loan programs allow gift funds from family members for down payment and closing costs. We'll need a gift letter stating the funds are a gift (not a loan) and documentation of the transfer. Some programs have specific requirements, but gifts are generally accepted.

Closing costs typically range from 2-5% of the loan amount and include appraisal ($500-700), title insurance, origination fees, prepaid taxes/insurance, and recording fees. Many loan programs allow sellers to contribute up to 6% toward your closing costs, and some first-time buyer programs offer grants to help cover these expenses.