Your Complete Guide to Buying Your First Home in Houston: Why Experience Matters

Buying your first home is exciting—and let's be honest, a little overwhelming. Between navigating offers, understanding inspections, and figuring out down payment options, it's easy to feel lost. That's exactly why choosing the right real estate agent makes all the difference.

If you're searching for homes in Friendswood, League City, Pearland, or anywhere in the Houston Metro area, you need someone who gets it—someone who answers every question, connects you with trusted professionals, and guides you through every single step.

That's where I come in.

Why First-Time Buyers Choose to Work With Me

I Actually Answer Your Questions (Yes, All of Them)

You're making the biggest purchase of your life. You should have questions. Lots of them. I welcome every single one because an informed buyer is a confident buyer. Whether it's 8 PM on a Tuesday or you're texting me photos of potential homes on a Sunday afternoon, I'm here to help you understand the process from start to finish.

Communication You Can Count On

Radio silence from your agent? Not here. I keep you updated at every stage—from the moment we start your search through closing day and beyond. You'll never wonder what's happening next because I'll tell you before you even have to ask.

Access to the Best Local Lenders (Including Down Payment Assistance)

One of the biggest concerns first-time buyers have is affording the down payment. Good news: you have options. I work with top-rated local lenders in the Houston area who:

• Offer competitive rates and low fees
• Specialize in first-time homebuyer programs
• Provide down payment assistance programs you might qualify for
• Pre-approve you quickly so you can make strong offers

Getting pre-approved is your first step, and I'll connect you with lenders who make the process simple and stress-free.

The Resources You Need, All in One Place

You shouldn't have to Google "best home inspector near me" at midnight. I've already built a network of trusted professionals who consistently deliver for my clients:

Home Inspectors: Thorough, detailed, and they'll explain everything in plain English

Title Companies: We'll close with a reliable team that handles all the paperwork smoothly

Contractors & Handymen: Need repairs before or after closing? I've got you covered

Specialized Professionals: From HVAC experts to foundation specialists, I know who to call

I Understand Your Concerns (Because They're Valid)

Let me guess what's keeping you up at night:

• "What if I'm overpaying for this house?"
• "Will I get approved for a loan with my credit score?"
• "What happens if the inspection finds something major?"
• "How much should I really budget for closing costs?"
• "What if I make a mistake?"

These concerns? Completely normal. And together, we'll address every single one. With over 20 years of experience helping Houston-area buyers, I've seen it all—and I know exactly how to navigate whatever comes up.

Why the Houston Metro Area Is Perfect for First-Time Buyers

Friendswood, League City, Pearland, Manvel, and Rosharon offer incredible opportunities for first-time buyers:

• Excellent schools and family-friendly communities
• Master-planned neighborhoods with amenities
• New construction options with builder incentives
• Growing job market and convenient commutes
• More space and value than you'd find closer to downtown Houston

As a native Houstonian with insider knowledge of these communities, I can show you neighborhoods you might not find on your own—places where your budget stretches further and your quality of life soars.

What You Should Know Before You Start House Hunting

Get Pre-Approved First

Not pre-qualified—pre-approved. This shows sellers you're serious and ready to buy. I'll connect you with lenders who can get this done quickly.

Understand All Your Costs

Beyond your down payment, budget for closing costs (typically 2-5% of the purchase price), moving expenses, and immediate home needs. No surprises here—I'll walk you through the numbers upfront.

Don't Skip the Inspection

Ever. Even on new construction. A few hundred dollars now can save you thousands later.

Think Long-Term

Are you planning to stay 5+ years? Will this home grow with your family? We'll find a home that fits your life today and tomorrow.

Frequently Asked Questions: First-Time Home Buyers

How much do I need for a down payment?

The myth that you need 20% down stops many first-time buyers before they even start. The truth? Many first-time buyers put down as little as 3-5%. FHA loans require just 3.5% down, and conventional loans can go as low as 3% for qualified buyers. Some VA loans require zero down payment for eligible veterans. I'll connect you with lenders who can explain all your options and help you find programs you qualify for.

What credit score do I need to buy a house?

For FHA loans, you can qualify with a credit score as low as 580 (sometimes even 500 with a larger down payment). Conventional loans typically require a minimum of 620. The better your credit score, the better your interest rate—but you have more options than you might think. Let's talk about where you are now and how we can move forward.

How long does it take to buy a house in Houston?

From the moment your offer is accepted to closing day, expect 30-45 days on average. However, the entire process—including getting pre-approved and finding the right home—typically takes 2-4 months for first-time buyers. Some find their home immediately, others take longer to find the perfect fit. I'll keep the process moving efficiently while making sure you never feel rushed.

What are closing costs and how much are they?

Closing costs typically range from 2-5% of your home's purchase price and cover things like loan origination fees, appraisal, title insurance, and escrow setup. On a $300,000 home, expect $6,000-$15,000 in closing costs. The good news? Some of these costs can be negotiated with the seller, and certain loan programs offer assistance. I'll provide a detailed breakdown so there are no surprises.

Should I buy new construction or an existing home?

Both have advantages! New construction often includes builder incentives, warranties, and modern energy efficiency—plus everything is brand new. Existing homes in established neighborhoods often offer more mature landscaping, may be closer to work or schools, and sometimes provide more negotiating room. I specialize in both and can help you weigh the pros and cons based on your specific needs and budget.

What's the difference between pre-qualified and pre-approved?

Pre-qualification is a basic estimate based on information you provide. Pre-approval means a lender has verified your financial information, checked your credit, and committed to lending you a specific amount. Pre-approval is what you need to make competitive offers in today's market. Sellers take you seriously when you're pre-approved.

Can I buy a house with student loan debt?

Absolutely. Many first-time buyers have student loans. Lenders look at your debt-to-income ratio—the percentage of your monthly income that goes toward debt payments. As long as you fall within acceptable ratios (typically 43-50% depending on the loan type), you can qualify. I work with lenders who specialize in helping buyers with student debt structure their finances for approval.

Do I need to use the seller's title company?

No! As the buyer, you have the right to choose your own title company in Texas. I work with a trusted title company that provides excellent service, competitive rates, and makes closing day smooth and stress-free. Of course, I'll explain all your options.

What happens if the inspection finds problems?

This is actually a good thing—you want to know about problems before you buy. Depending on what's found, you have options: request the seller make repairs, ask for a credit to cover future repairs, renegotiate the price, or in serious cases, walk away. I'll help you understand what's a minor fix versus a major red flag and negotiate the best outcome for you.

How much house can I afford?

A general rule is that your house payment shouldn't exceed 28% of your gross monthly income. But that's just a starting point. I'll connect you with lenders who'll look at your complete financial picture—income, debts, savings, down payment—and help you understand what you can comfortably afford. Remember: just because you're approved for a certain amount doesn't mean you have to spend it all.

What if I don't have family to help with my down payment?

You're not alone, and you still have options. Down payment assistance programs exist specifically to help first-time buyers. Some programs offer grants (money you don't have to repay), others offer low-interest loans. There are also programs for teachers, healthcare workers, and other professions. I work with lenders who know every program available in the Houston area.

Should I get a home warranty?

Home warranties can provide peace of mind, especially for first-time buyers worried about unexpected repair costs. They typically cover major systems and appliances. Sometimes sellers include a home warranty as part of the deal. I'll help you understand what's covered, what's not, and whether it makes sense for your situation.

Can I back out of buying a house?

Yes, but it depends on where you are in the process and what your contract says. During the option period (typically 7-10 days in Texas), you can back out for any reason and only lose your option fee (usually $100-500). After that, you can still back out under certain conditions—failed inspection, financing falls through, title issues—without losing your earnest money. I'll make sure you understand all contingencies and your rights every step of the way.

What is earnest money?

Earnest money is a deposit (typically 1-2% of the purchase price) that shows the seller you're serious about buying their home. It's held in escrow and goes toward your down payment and closing costs at closing. If the deal falls through due to protected contingencies in your contract, you get it back. I'll explain exactly how this works and make sure your earnest money is protected.

Do I need to sell my car or change my job before closing?

Great question! Once you're under contract, avoid making major financial changes: don't change jobs, take on new debt (like a car loan), or make large purchases on credit. Lenders verify your employment and pull your credit again right before closing. Any changes could affect your approval. After closing? Do whatever you want!

Ready to Find Your First Home?

You don't have to figure this out alone. As a Texas real estate agent with Real Broker LLC holding multiple professional designations (TRLP, ABR, SRS, SRES, RENE), I've helped countless first-time buyers in the Houston Metro area find their dream homes—and I'd love to help you too.

Let's schedule a no-pressure conversation about what you're looking for. I'll answer your questions, connect you with the right lender, and create a personalized home-buying plan that works for your budget and timeline.

Call me (Shelley Broussard) today: 832-890-3504

Or visit my website to get started: shelleybtxrealtor.com

Let's find you a home you'll love in Friendswood, League City, Pearland, or anywhere in the Houston area. You deserve an agent who cares as much about your first home as you do.