Texas Real Estate
Last updated: November 23, 2025
✅ Short Answer: YES — if you qualify, these programs can save you thousands in upfront costs and make buying a home way easier. ✨ Why It’s Worth It: 💡 Are First-Time Home Buyer Programs Worth It? ✅ Yes! These programs can make buying your first home easier, cheaper, and faster. 💰 Lower down payments … Read more
Last updated: November 23, 2025
Best Home Loan Options for First-Time Buyers: 🏠 Best Home Loan Options for First-Time Buyers FHA Loan: Low 3.5% down, flexible credit requirements. USDA Loan: 0% down in rural/suburban areas. VA Loan: 0% down for veterans & active military. Conventional 97: Only 3% down, good for strong credit. 💡 Trealtorr Tip: The “best” loan depends … Read more
Last updated: November 23, 2025
To comfortably afford a $300,000 mortgage, most lenders want your monthly house payment to be no more than ~28–30% of your gross income. 📊 At a 7% interest rate (30 years): 🏠 Salary Needed for a $300K Mortgage Loan Amount: $300,000 Interest Rate: 7% Monthly Payment (P+I): $1,996 Estimated Total Payment: $2,200–$2,400 Recommended Income: $75,000–$85,000/yr … Read more
Last updated: November 23, 2025
Assuming a 7% interest rate (common right now): 💸 $400,000 Mortgage Payment (30-Year Loan) Loan Amount: $400,000 Interest Rate: 7% Monthly Principal + Interest: $2,661 Estimated Total w/Taxes + Insurance: $3,000 – $3,200 💬 Trealtorr.com can run your exact numbers and find homes that fit your monthly comfort zone. Text us at +1 (347) 831-6085 … Read more
Last updated: November 23, 2025
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
Last updated: November 23, 2025
Good news: $70K a year can get you into a nice home — but it depends on your debt, down payment, and current rates. Here’s a rough estimate: 💡 Why this matters: 💬 Trealtorr Take We don’t just give you a number — we run your real numbers, include grants & first-time buyer programs, and … Read more
Last updated: November 23, 2025
🏡 Cheapest Home Loan? Forget the Banks! If you’re looking for the lowest rates and best deal, it’s not about which bank you pick — it’s about having the right team working for YOU. ✅ Multiple Lenders, One Call: We compare dozens of lenders so you get the lowest rate possible. ✅ First-Time Buyer Grants: … Read more
Last updated: November 23, 2025
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
Last updated: November 23, 2025
The amount you need to earn depends on interest rates, down payment, and your other debts, but here’s a solid estimate using today’s FHA-style scenario: 💰 Income Needed Lenders usually want your housing costs to be no more than ~30–31% of your gross monthly income. 💡 Tip: First-time buyer grants or down payment assistance can … Read more
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