Making An Offer
Before the offer to purchase is created, you must be at least pre-qualified or, better yet, pre-approved by a lender, unless you are paying cash. A pre-approval letter is one of the best negotiating tools a buyer can have. It shows the seller that you are financially able to purchase the home. After you have found the right home, it is time to prepare the offer. Now, let’s break down exactly how the offer-making process works. Here are the steps: 1. First, you’ll view a house and decide you want to make
Escrow, Now What?
Once your offer is accepted by the seller it starts the escrow period. You will be asked for a down payment, typically 1% of the purchase price, on the home you are purchasing which will be held with an attorney or settlement company and applied to the final purchase of your property. By the time you have opened escrow, you have come to an agreement with the seller on the closing date and the contingencies The escrow period is usually 30 days and each item specified in the contract must be completed satisf
Mortgage Calculator
The easiest way to determine your estimated monthly mortgage payment is by talking to a lender. However, the calculator below can also help point you in the right direction. There are two main sections on the calculator. 1. Purchase Information. This is the price of the home, the down payment percentage, and the length of your mortgage. 2. Payment & Qualifying Information. These areas ask questions about monthly association fees, gross income, and current monthly debt. Once you have filled out the infor
Mortgage Pre Approval
Thinking about buying a new home? If you're not paying cash, then you’’ probably need a mortgage. The first step in the home buying process is to consult with a mortgage lender about your financing options. The process is simple. Fill out the form below and we will connect you with local lenders that can guide you through your pre-approval journey. The form does not pull your credit history, therefore it does not impact your credit score. We look forward to helping you through the home buying process!
First-Time Homebuyer Advice
You can’t know everything there is to know about buying a home, especially when you’re a first-time homebuyer. However, you can do a little research and put yourself in a position to succeed. The more you know, the better off and less stressed you’ll be. If you’re just getting started, there are a few key tips to keep in mind before diving in: 1. Contact at least three mortgage lenders to ensure you’re getting the lowest rate. Many first-time homebuyers make the mistake of going with the first lender the
What Are Closing Costs?
You've found your dream home, the seller has accepted your offer, your loan has been approved and you're eager to move into your new home. But before you get the key, there's one more step called the closing. Also called the settlement, the closing is the process of passing ownership of a property from the seller to the buyer. As a buyer, you will sign what seems like endless piles of documents and will have to present a sizable check for the down payment and various closing costs. Many of the fees may v
Personalized Home Search
Complete the form below and we'll create you a custom property search. Anytime when we find properties that match your specific criteria we’ll send you an email. There are boxes at the bottom that allow you to provide information around any specific features you are searching for. Such as the main floor master, home theater, or maybe a particular street, neighborhood, or community. We look forward to helping you navigate the home buying journey!
Do I need a home inspection?
Some loan types, like the FHA and VA mortgage programs, require a home inspection to make sure the home meets requirements for safety and affordability. But even if your lender doesn’t require an inspection, you should get one yourself. After going under contract to buy a home, you should hire an independent inspector. The inspector checks for structural or systemic problems you’d want to know about before buying the home. Even if everything checks out, the inspector’s report would let you know how many r
What credit score do you need to buy a house for the first time?
Most loan programs require a credit score of 620 or higher to buy a house for the first time. That includes conventional loans, most VA loans, and USDA loans (which require 640+). Homebuyers with lower credit may be able to get an FHA loan with a score as low as 580 and a 3.5% down payment. As a general piece of advice, a higher credit score gets you a lower mortgage rate and a bigger home buying budget. Borrowers with credit scores in the “excellent” range (720+) have access to pretty much any loan prog
Just Listed
The best properties usually don’t stay on the market very long. Below is a list of properties that just became available for sale. This is where many active buyers find their dream home! Here are three steps that will help you navigate our website. 1. Narrow this list of properties by clicking on a price range. 2. If you see a property that you like, press the heart button to save it so you can find it later. 3. Once you find a property that you love, you can request an in-person or video tour using the
Price Reductions
The best way to get a great deal on a new property is by buying at the best price possible! Below is a list of properties where the sellers have decided to drop their asking price. This usually means that the homeowner is motivated to sell the property and move on. Here are three steps that will help you navigate our website. 1. Narrow this list of properties by clicking on a price range. 2. If you see a property that you like, press the heart button to save it so you can find it later. 3. Once you find
Buyers
Are you thinking about buying? The video resources below cover many of the common questions that most people have during the home buying journey. The video topics include: • How To Buy in a Tight Market • The Home Inspection Process • Required Mortgage Documents • ...and many more! If you have questions or are ready to begin the home buying process, just complete the form below, and a member of our team will be in touch shortly!
What qualifies you as a first-time buyer?
If you’re buying your first-ever home, you’re a “first-time homebuyer” by default. A repeat buyer can also qualify as a first-time homebuyer, as long as they have not owned a home in the past three years. The three-year mark can help previous home buyers who have come on hard times get back into a home. Qualifying as a first-time home buyer gets you access to special, low-down-payment home loans as well as assistance to help with the down payment and closing costs.
Offer Accepted
Once your offer is accepted by the seller it starts the next phase of the transaction. You will be asked for a down payment, typically 1% of the purchase price, on the home you are purchasing which will be held with an attorney or settlement company and applied to the final purchase of your property. By the time this happens, you have come to an agreement with the seller on the closing date and the contingencies This period is usually 30 days and each item specified in the contract must be completed satisf

Buying a Home in El Paso, TX

Finding and purchasing a home that will meet your needs is a significant and often stressful time. Our goal is to make this transition as smooth as possible. We are experts in the area, and once we learn what it is that you’re looking for, finding your dream home is simple.

Before you start looking for a home you should ask yourself a few questions:

  • Where do you want to live? Are there particular neighborhoods or communities that you like?
  • What kind of house would you like (need)? Are you looking for a particular style? How many bedrooms and bathrooms do you want?
  • Is a home office a necessity? Do you need a bonus room or flex-room?
  • Do you entertain often? Is a home suitable for entertaining something you’re looking for?
  • Do you want a yard, pool, gated or guard gated community?
  • Have you determined your price range or consulted a lender to determine the best price range?

Searching for your dream home can be a time-consuming experience. Working with our professional team will make the process much more efficient!


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