Buying your first home in Texas starts with understanding your budget and getting pre-approved for a mortgage. M&I TX Home Team guides you through every step — from choosing the right loan program to finding your home to closing day. Contact us for a free first-time buyer consultation.

Down payment requirements vary by loan program. FHA loans require as little as 3.5% down. Conventional loans can start at 3%. And with Texas down payment assistance programs, you may qualify for help covering some or all of your down payment. Irene can help you explore your options.

FHA loans may accept credit scores as low as 580 (with 3.5% down) or 500 (with 10% down). Conventional loans typically require 620+. If your score needs improvement, we can help you create a plan to get mortgage-ready.

While most loan programs require some down payment, Texas offers several down payment assistance programs that can cover part or all of your down payment and closing costs. M&I TX Home Team connects you with these programs.

The typical home buying process takes 30-60 days from offer to closing. However, the preparation phase (pre-approval, house hunting) can take a few weeks to several months depending on your situation. The sooner you start, the sooner you'll be in your new home.