Texas Real Estate
Learn everything about financing your real estate ventures, from mortgages and home equity loans to commercial loans, private lending, and insurance for investors. Get expert tips to make smart financial decisions and maximize returns.
Last updated: November 23, 2025
💰 How Much Is a 3.5% Down Payment on a $400K Home? 💡 Why This Matters 💬 Our Take At Trealtorr, we help first-time buyers figure out exactly how much they need upfront, including grants, closing costs, and any assistance you qualify for — so there are no surprises. 📲 Call or text us today … Read more
Last updated: November 23, 2025
Here’s the reality: 💡 Conclusion:A $300K house is probably out of reach on a $50K salary without additional help. Your monthly payment would likely be higher than what lenders consider safe, unless you: 💬 Our Take At Trealtorr, we help first-time buyers see the real numbers and find creative ways to make a home affordable. … Read more
Last updated: November 23, 2025
With an FHA loan, you can buy a home with as little as 3.5% down, but your income still matters because lenders look at your debt-to-income ratio. Here’s a quick estimate: 💰 Income Needed 💡 Tip: With first-time buyer grants or down payment assistance, you could lower the amount you need upfront, which also reduces … Read more
Last updated: November 23, 2025
🚫 The Downsides of an FHA Loan (Real Talk) FHA loans are awesome for first-time buyers because they let you buy with as little as 3.5% down — but there are a few catches you should know before you sign: 🔑 Mortgage Insurance You Can’t Escape (Easily)You’ll pay mortgage insurance (MIP) every month, and unlike … Read more
Last updated: November 23, 2025
Thinking about snagging free money for your first home? Here’s the quick scoop: ✅ Income Limit – Your household income has to be under a certain limit (usually ~80% of your area’s median income). Don’t worry, we can check that for you.✅ Your Own Skin in the Game – Most programs want you to chip … Read more
Last updated: November 23, 2025
Good news — Texas has several amazing programs that can give you free money (yes, really!) to help with your down payment or closing costs. Here’s how to apply: 🏡 Step-by-Step Process At Trealtorr, we make the process easy — no guesswork, no endless forms on your own. We’ll guide you from grant approval → … Read more
Last updated: November 23, 2025
Let’s break it down nice and simple: 💰 Estimated Monthly Payment (Principal + Interest):➡️ About $1,330 per month 💡 Things to Remember This does not include: So your all-in monthly payment could be closer to $1,600–$1,700/month depending on where you buy. At Trealtorr, we:✅ Show you your real payment with taxes & insurance included✅ Shop … Read more
Last updated: November 23, 2025
A good rule of thumb: most lenders want your monthly housing costs (mortgage + taxes + insurance) to be no more than 28–31% of your gross income. 🏡 Quick Breakdown At today’s FHA interest rates (around 6%), that usually means you could afford a home priced around: 🏠 $250,000–$300,000(assuming a small down payment, no major … Read more
Last updated: November 23, 2025
The truth? The “best lender” isn’t always a bank — it’s the one who gets you the best rate, lowest fees, and the right program for your situation. 🏡 Why Trealtorr Is Your Best Choice Unlike a single bank, Trealtorr is both your Realtor AND your Mortgage Broker — which means:✅ We shop multiple lenders … Read more
Last updated: November 23, 2025
Having a mortgage can save you thousands of dollars on your taxes every year, thanks to a few key deductions: 🏡 Your Biggest Tax Breaks ✅ Mortgage Interest Deduction – You can deduct interest paid on your mortgage (for most people, this is your entire loan if it’s under $750,000).➡️ Example: On a $300,000 loan … Read more