Aim for at least 620 to qualify for most loans, though higher scores secure better rates.

The Ultimate Guide to Buying a Home in Texas (2026 Edition) Buying a home in the Lone Star State is an exciting milestone, but the process has unique nuances—from "option periods" to significant property tax considerations. Whether you are eyeing a modern condo in Austin or a sprawling new build in Houston, this guide breaks down the essential steps for navigating the Texas real estate market in 2026. 1. Financial Prep: Beyond the Down Payment

First Time Home Buyers Guide in Texas - A Step ... - HAR.com