Texas Real Estate
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If you make $3,000 a month, most lenders use the 28/36 rule: That means you can probably buy a house in the $120K–$150K range, depending on interest rates, down payment, and property taxes. Here’s a quick visual for you: 🏡 Can You Buy a House on $3,000/Month? Monthly Income: $3,000 Max Housing Budget (28%): $840 … Read more
Good news: you don’t need perfect credit to buy your first home! What matters depends on the type of loan you choose: ✅ Typical Loan Requirements Loan Type Minimum Credit Score Notes FHA Loan 580+ With 3.5% down payment. If 500–579, you can still qualify with a 10% down payment. Conventional Loan 620+ Usually requires … Read more
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
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
The “best” loan really depends on your budget, credit, and goals, but here’s a quick guide: At Trealtorr, we don’t just suggest loans — we match you with the right program for your situation. That means: 📲 Call or text us today at +1 (347) 831-6085 — we’ll help you find the perfect loan for … Read more
Common Mistakes First-Time Homebuyers Make Buying your first home is exciting, but it’s easy to make mistakes that cost time, stress, or money. Here are some of the most common ones: At Trealtorr, we guide you through every step so you avoid these mistakes: from checking your credit, to finding grants, to matching you with … Read more
The answer depends on a few key factors: down payment, interest rate, and your debt-to-income ratio. Here’s a general guideline: These numbers assume:✅ 30-year fixed mortgage✅ 6–7% interest rate (current average rates may vary)✅ Debt-to-income ratio under 43% At Trealtorr, we don’t just look at numbers — we look at your full situation. We help … Read more
The $10,000 stimulus grant is a down payment assistance program available to first-time homebuyers in certain areas of Texas. This grant helps cover the upfront costs of purchasing a home, making homeownership more accessible. Where Is It Available? Several cities in Texas offer this grant, including: How Do You Qualify? Eligibility criteria vary by city … Read more
FHA loans are one of the most popular ways for first-time homebuyers to get into a home because they’re flexible and have lower barriers to entry. Here’s what you usually need: ✅ Credit Score: 580+ for just 3.5% down. (500–579 may still qualify with 10% down.)✅ Stable Income: Lenders want to see steady employment for … Read more
A Welcome Home Grant is designed to help first-time buyers with down payments and closing costs — basically free money to get you into your first home. Here’s what it usually takes to qualify: At Trealtorr, we make this simple. Because we’re both mortgage brokers and realtors, we’ll check your eligibility, guide you through the … Read more