Being debt-free and paying cash for a home is EXCELLENT; however, for most people, starting the purchase process means getting prequalified with a lender. Before you plan a purchase or sale, it is often BEST to check where you are at. Our Affiliated Company, Texas Property Lending Inc, is here to help you figure this out. You can also choose any Lender you want. Texas Property Lending Inc takes the extra time to review your required documentation so that when you are issued an eligible "Loan Approval," you can be very CONFIDENT.

Having a FICO Score above 740 or 760 is FANTASTIC; however, for many people under 740, even if you do qualify for a mortgage with your existing Mortgage FICO Score, it is best to start working on boosting your Mortgage FICO Score before you buy a home. In our experience, utilizing Artificial Intelligence (AI) Software is the best way to do this. If you choose to use our Affiliated Company and fill out an application with Texas Property Lending Inc, then (if needed) AI software will provide you with a Step-by-Step Plan to boost your Mortgage FICO score. Remember that a Mortgage FICO Score differs from a Credit Card FICO Score. Sometimes waiting a month or two to BOOST your Mortgage FICO Score can save you thousands of dollars in interest payments over many years.

Sometimes buying a home or investment real estate is not a good idea. For example, if you are a first-time home buyer, we recommend only buying if you plan on living in a particular area for at least five years. Seven or more years is better. The value of real estate can fluctuate up or down. You do not want to buy high and then sell a home at a loss to the lender. However, for most people, owning their own home is far better than renting. We advise all Owner Occupant buyers and Investors: when you look at a house price, always look closely at the estimated monthly payment. If you do have tough times ahead, it is best to have a plan.

At Texas Property Realty, we understand the adage, "The early bird gets the worm." We are "built for speed." Our HAR MLS system will update you via email AS SOON as a new property hits the market or has a price change. It is often VITAL to respond quickly. Sometimes a home can be on the market for one day before an offer is accepted. Each situation is unique. After you notify us of your interest, our goal is to get you inside a new home within two to three hours, and then, if you are "Madly in LOVE," to have your offer out the same day!

Some buyers want to pick a home or investment property that merely "checks all the boxes." At Texas Property Realty, this is unacceptable to our standards of practice! We do not want you to "settle." We are committed to this. When looking at homes, make sure you are "Madly in Love" with your home before we offer. We have been doing this for a long time, knowing there is always a BETTER deal. Never be rushed by any purchase decision. Remember, every unsatisfactory home you see is ONLY a reference point. The more homes you see, the BETTER your decision-making will be!