The First-Time Homebuyer Guide
12 things every first-time buyer in Austin needs to know before they sign anything. No fluff. No sales pitch. Just the stuff that actually matters.
- Down payment myths that cost buyers thousands
- Seller concessions: make the seller pay your costs
- Texas-specific programs most agents don't mention
- 5 deal-killing mistakes to avoid
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Everything You Need to Buy with Confidence
This isn't a pamphlet from 2015. It's built for Austin buyers navigating today's market.
Credit Score Reality Check
The actual minimum scores for each loan type — and what to do if you're not there yet.
Down Payment Myths
You don't need 20% down. We break down the real numbers for conventional loans and how PMI tiers actually work.
Texas-Specific Programs
TDHCA assistance, My First Texas Home, and other programs most agents never mention.
5 Deal-Killing Mistakes
The moves that tank loans every week — and how to avoid every single one of them.
Pre-Approval vs. Pre-Qualification
Why one makes sellers take you seriously and the other gets your offer ignored.
Seller Concessions & Rate Buydowns
How to make the seller pay your closing costs — and use leftover dollars to buy down your rate.
Trusted by Austin Homebuyers
Adam made our first home purchase so much less stressful. He explained everything clearly, responded fast, and genuinely cared about getting us the best deal. We closed ahead of schedule.— First-time homebuyer, Austin TX (Google Review)
Adam Styer, Senior Loan Officer
I wrote this guide because I was tired of watching first-time buyers get bad advice. Every week I see the same preventable mistakes cost people thousands of dollars — or kill their deal entirely.
This guide is the same conversation I have with every buyer who sits across from me. No sales pitch. Just the truth about what it takes to buy a home in Austin right now.
- NMLS #513013 · Licensed in Texas
- 500+ families helped close
- 5.0 stars on Google · 4.98 on Zillow
- Specializing in first-time buyers & Austin market
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