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Yes. Under Texas law, an agent needs a written agreement with you before showing you a home. The agreement spells out how your agent will be paid, and that compensation is not set by law and is negotiable. We’ll walk you through ours before we start touring.

It depends on your loan. Some conventional loans allow as little as 3% down and FHA loans 3.5%, while VA and USDA loans may require no down payment for eligible buyers. A lender can tell you what you qualify for, and we’re happy to refer you to one we trust.

In Texas, buyers can pay the seller an option fee in exchange for an option period, a set number of days after the contract is signed. During that time you can complete inspections and end the contract for any reason. If you terminate during the option period, you typically get your earnest money back, but not the option fee.

Earnest money is a deposit you make with the title company after your offer is accepted to show the seller you’re serious. The amount is negotiable, and at closing it goes toward your down payment and closing costs.

Most financed purchases close in about 30 to 45 days, and cash purchases can often close faster. We’ll map out your timeline once you’re under contract.

Buyers typically pay lender fees, the appraisal, the lender’s title policy, prepaid taxes and insurance, and their share of escrow fees. Your lender will give you a Loan Estimate that breaks these down.