#1
Moving In
Final Walk-Through Inspection
Conduct a final walk-through before closing to verify agreed repairs are complete, contingencies are satisfied, and the property is delivered as expected. This usually occurs the day before or the day of closing.
Closing
At closing you’ll sign loan documents, deliver down payment and closing costs, and complete the settlement. Funds can be delivered via certified check or electronic wire per the settlement instructions. Once documents are recorded with the county, ownership transfers and you receive the keys.
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Tips For Buying
Don’t Max Out Your Budget
Approval for a maximum amount doesn’t mean you should spend it all. Leave room for closing costs, taxes, maintenance, and any immediate repairs.
Get To Know The Area
Evaluate schools, commute times, shopping, and neighborhood character to confirm the area fits your lifestyle and resale goals.
Don’t Skip the Home Inspection
A licensed inspection uncovers issues that affect safety, cost, and negotiating leverage. Consider specialty inspections (roof, HVAC, plumbing) when warranted.
Get Pre-Approved
A lender pre-approval signals to sellers that you’re serious and able to close.
Make a List of Deal Breakers
Know what you can live with and what you cannot live without and also those things that can be taken care of with a simple remodel. If you need a 4 bedroom home, don't buy one with 2 that requires a massive addition which can break your budget.
Look At The Age Of Appliances & Other Systems
Some of the most expensive features of a home are Appliances, HVAC, Hot Water Heater, Septic/Well, and Roof. You should pay attention to their age and whether they have required service. You may even be able to get the seller to add a home warranty.
Check For HOA Requirements
Most neighborhoods have HOAs that govern what you can and can't do - be sure you know what the rules are for your neighborhood, and the fees associated with having an HOA. They are usually listed as annual fees.
ONE PARTNER FOR ALL YOUR REAL ESATE NEEDS
What Price Range Can I Afford?
Resources For McAllen Home Buyers
The journey to homeownership starts by understanding how much you can afford. One major thing to consider is your down payment, if any. Many consumers believe it's impossible to buy a home without at least 20 percent down. But thanks to various government-sponsored programs, many people can now buy a house with as little as 3.5 percent toward a down payment. Veterans of the U.S. military have zero-down programs available.
Finding a knowledgable Mortgage Loan Officer is key to recieving the most up-to-date information on available lending options. Feel free to check out or vetted list of preffered lenders below - or, if you just want to run some quick rough numbers, check out our free mortgage calculator.
Areas We Serve
- McAllen
- Weslaco
- Mission
- Edinburg
- Alton
- San Juan
- Donna