Buying a home in Texas comes with plenty of options — and a few big questions. Whether you’re purchasing your first home or refinancing your current one, here are three of the most common questions Texas homeowners ask.

What Monthly and Upfront Costs Should I Expect When Buying a Home in Texas?

“Do not save what is left after spending, but spend what is left after saving.”

— Warren Buffett

Beyond your loan payment, plan for additional expenses such as closing costs, inspections, and title fees. Buyers in Texas may also encounter appraisal and survey costs before closing. Ask your lender for a detailed cost estimate early so you understand what’s included in your total monthly payment and what to expect at the closing table.

Which Loan Product Is Right for Me — FHA, VA, USDA, or Conventional?

Each loan type serves different needs:

  • FHA loans – flexible down-payment and credit requirements.
  • VA loans – 0% down for eligible veterans and service members.
  • USDA loans – affordable options for qualifying rural areas.
  • Conventional loans – a good choice for strong credit and refinancing flexibility.

Your lender can walk you through the details of each loan type, helping you choose the option that best aligns with your goals, budget, and long-term plans.

What Should I Ask My Lender Before Signing?

Communication is key. Ask questions such as:

  • “Which loan options fit my situation best?”
  • “Which fees are controlled by the lender versus third parties?”
  • “If I lock my rate, how long does that lock last?”

The clearer the conversation, the smoother your home-buying journey will be.

Knowledge Builds Confidence

Understanding your mortgage options before you sign builds confidence — and sets you up for financial stability long after closing.

Texas Mortgage Associates proudly serves homebuyers and homeowners throughout the state of Texas. Whether you’re purchasing, refinancing, or simply learning more about your options, our team is ready to guide you.

NMLS #87325 | Equal Housing Lender

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