Whether it’s your first or your fifth real estate purchase, buying real estate can be daunting! In order to make the best decision possible, it’s important to research the market and consider all your options. But navigating the real estate world without help is nearly impossible – you need someone you can trust who can answer your questions. 

Real estate transactions are complicated. A Texas REALTOR® will help you with the following steps and much more.

The term affordable housing means different dollar amounts in different markets of the state. However, the objective in all cases is to provide all Texans with the opportunity to buy a home .  

The best way to learn about affordable-housing programs that can help you is to use a REALTOR® who’s earned the Texas Affordable Housing Specialist designation. 

Alfredo Yanez - Texas REALTOR®

As a professional agent with many years in the real estate business, I’ll handle your transactions quickly and efficiently. I am proud of my history as successful residential real estate consultant and have developed a long list of satisfied customers. 

Most loans require a down payment.  If you’re a first-time buyer or fall below certain income thresholds, you may qualify for Down payment assistance programs, and or affordable housing programs. Generally, a higher down payment means better loan terms and a lower interest expense on the mortgage.

A lender will determine how much he thinks you can afford based on your income, employment history, education, assets (e.g., bank account balances, other property, insurance policies, pension funds), and debt.