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Are You Ready For Home Ownership?

Owning a home may be your dream, but in order for the purchase to be the happy and satisfying experience it was meant to be, you need to ensure that you are financially and mentally prepared for the responsibilities that come with it.

Some people have a notion that home ownership is like renting, but with the power to have pets and paint the walls whatever color you like. However, while these privileges are available to homeowners in most municipalities, they come with the responsibilities of a mortgage, taxes and home maintenance. Preparing for home ownership requires you to take critical stock of your finances and your expectations.

Search now for homes in the area.

Questions for Prospective Homeowners

Are you ready to buy?

Owning your own home is about more than just being able to decorate any way you like; it's about being prepared to maintain your home over the years, realizing that part of your income and time will go towards repairs and maintenance. It's about being willing to take the risks of home ownership with a realistic expectation of the rewards.

How much can you afford?

It can be discouraging to find that your salary won't stretch as far as the home you want to own. However, sacrificing a huge part of your income just to pay the mortgage can very quickly make home ownership a burden rather than a point of pride. It's better to buy a modest home now and look at purchasing your "dream home" in a few years.

What is your debt-to-income ratio?

This is something that lenders take very seriously. Your overall debt should not be more than 40% of your income, and your housing debt should not be more than 32%. What 32% of your income will buy depends on where you want to live. In rural or downtrodden areas for example, it can buy a very comfortable residence and ample acreage. In highly sought-after urban areas however, it may not even buy a 400 square foot bachelor suite.

What do you want?

Do you like the idea of cleaning your own gutters? Do you shudder at the thought of lawn care? Would you rather just pay a fee every month and have everything done for you? Would obeying rules about when you can have your garbage cans out bother you, or do you want to live in a neighborhood where everything is 'just so'? The answers to these questions can help you narrow down the search for the right type of property for you.

We Can Help

You need a good agent who will work hard for you. Our real estate team is dedicated to helping you find the right home, at the best price. We want you to find the home that will make you happy and successful in real estate ownership.

When you hire us to help you buy your first home, we want to know what you want and how much you can afford. Then we'll find a way to merge these two priorities and find a residence that you'll enjoy owning.

Keep your objectives in mind when visiting a home. Sometimes the idea of owning a home can overwhelm your practical sense, so keep your feelings in check. Keep a list handy of the features that you need and want in a home, and judge each home by the list instead of by details that could distract you from your goal. When you're alone with your agent, you can go over the pros and cons of each home. We can help you stay on track while still keeping our eyes out for a great property.

Engage the services of a good real estate lawyer. We can recommend several lawyers in the area who might be a good fit for you. Interview them to ensure that you get someone you can work with. The legalities of transferring land ownership can be dodgy, and a lawyer can be your best defense against future legal troubles. A good lawyer can charge several hundred to over a thousand dollars for their services, but the thousands of dollars saved in legal fees later on makes this a good expense.

Make the offer. This can be a maze of "buyer", "seller", "chattels", "deposit", and "completion". We'll be happy to prepare the paperwork and go through it with you before submitting it. Remember, the seller may reject or counter your offer, so even at this late date, avoid setting your heart on the home you hope to own. You'll probably have to write a deposit check to the seller's broker that proves the seriousness of your offer.

Get all necessary inspections done. A home inspector will check for signs of harmful materials like asbestos, lead paint and mold. They'll also check for evidence of pests, faulty wiring and leaks. This is a crucial part of the home purchase. Not getting an inspection done means that you could be stuck in a home with a bad case of black mold and no recourse other than to pay for its removal. Inspections will cost a few hundred dollars, but again, this is more than worth it in the end. There are several inspectors in the area that we'd be happy to recommend.

Do a final walkthrough before closing the deal. We'd be happy to do this with you to make sure that everything agreed upon is completed prior to the final signing.

From the first interview that determines your requirements to the moment that you receive the keys, we can help you with the complicated process of buying a home. Don't hesitate to contact us to find out more about how we can make the home buying process easier!

Contact us for more information about first time home purchasing.

Search Our Office Listings - KW Houston Metropolitan

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Photo of Listing #51384627

20180 Ponde, Porter, Texas - $399,000

Single-Family
  • 4 Beds
  • 2 Baths
  • 2,819 SQFT
  • 1 DOM
View details More Photos Save

Beautiful Home With Separate 867 Sq Ft. Apartment/mother In Law Suite Situated On 2+ Acre Lot. Large Kitchen Opens To Dining & Living Area W/builtin Desk. Crown Molding Through-out Home. Large Master Suite. Sunroom Could Be Game Room And Is Being ...

Keller Williams Realty Metropolitan
Photo of Listing #99339486

7 Pronghorn, The Woodlands, Texas - $1,399,000

Single-Family
  • 4 Beds
  • 5 Baths
  • 4,718 SQFT
  • 1 DOM
View details More Photos Save

Beautiful French Country Home Located In The Gated Community Of Carlton Woods Creekside. Cul-de-sac Property That Is Approx 1/3 Of An Acre. This Home Features Open 2-story Family Room W/ Beamed Ceiling, Butlers Serving Area, Stone & Wood Floors ...

Keller Williams Realty Metropolitan
Photo of Listing #29849204

10826 Burdine St, Houston, Texas - $425,000

Single-Family
  • 4 Beds
  • 3 Baths
  • 2,723 SQFT
  • 1 DOM
View details More Photos Save

Looking For Something Out Of The Ordinary, Something Unusual, Something Amazing? Welcome To 10826 Burdine! Remodeled & Expanded By The Current Owner 3 Bedroom 3 Bath With A Bonus Room On The 2nd Floor That Can Be Used As A Gameroom/master Suite ...

Keller Williams Realty Metropolitan
Photo of Listing #19456702

11516 Carson Ave, Pearland, Texas - $249,900

Single-Family
  • 3 Beds
  • 2 Baths
  • 2,552 SQFT
  • 1 DOM
View details More Photos Save

Gorgeous 1 Story Brink Home On Large Corner Lot In Pearland, Tx! Light / Neutral Paint Colors And Tons Of Natural Light Throughout! Open Floor Plan, With A Large Kitchen Featuring - A Huge Center Island, Gas Cooktop, Breakfast Area / Eat-in-kitche...

Keller Williams Realty Metropolitan
Photo of Listing #73684309

1804 Staffordshire Cre, Houston, Texas - $585,000

Townhouse/Condo, Townhouse
  • 4 Beds
  • Baths
  • 2,778 SQFT
  • 1 DOM
View details More Photos Save

Outstanding Med Center T/h.4 Bedrms & 3 1/2 Bath,granite Countertops Thru-out.spacious Updated Kitchen, Recent Island With Shelves & Granite,frig, W/d Remains With Property. Hardwoods & Recent Carpet. Finished 3rd Flr. With Full Bath.

Keller Williams Realty Metropolitan
Photo of Listing #94551414

6315 S Saddle Creek Ln, Fulshear, Texas - $430,000

Single-Family
  • 5 Beds
  • Baths
  • 3,886 SQFT
  • 1 DOM
View details More Photos Save

Stunning Trendmaker Home With No Back Construction Or Neighbors In Creekside At Cross Creek Ranch Community. Open Floor Plan Includes Formal Dining, Study And Upstairs Game Room. Hardwood And Tile Floors Throughout All Common Areas. Living Room Bo...

Keller Williams Realty Metropolitan
Photo of Listing #40093834

2819 Winter Lks, Missouri City, Texas - $320,000

Single-Family
  • 4 Beds
  • Baths
  • 2,672 SQFT
  • 1 DOM
View details More Photos Save

Fabulous Home With Open Layout In All The Right Spaces! Elegance & Sophisticated Home Loaded With Over 40k Upgrades Throughout & Ready To Move In Now! Highly Sought After Fbisd & Zoned To Clements Hs & Walking Distance Of Austin Parkway Elementary...

Keller Williams Realty Metropolitan
Photo of Listing #20367460

11307 Valley Stream Dr, Houston, Texas - $335,000

Single-Family
  • 4 Beds
  • 3 Baths
  • 2,540 SQFT
  • 1 DOM
View details More Photos Save

Welcome Home! This Beautiful 4/3/2 In The Well-established Neighborhood Of Sherwood Oaks! Enjoy Your Private Patio And Large Lot With Swimming Pool!! Huge Yard, Great Floor Plan, With Lots Of Storage Throughout. 2 Bedrooms Down Including Master, E...

Keller Williams Realty Metropolitan
Photo of Listing #69379284

27414 S Rondelet, Spring, Texas - $850,000

Single-Family
  • 5 Beds
  • 6 Baths
  • 5,042 SQFT
  • 1 DOM
View details More Photos Save

Refreshingly Different & Unique Custom Home Built By Toscano Estate Homes!one Acre Very Private Lot!11 Foot Canter Front Door!travertine Flooring!groan & High Ceilings!fire Sprinkler System Thruout!gourmet Kit W/center Island!state-ofthe-art Appli...

Keller Williams Realty Metropolitan
Photo of Listing #8196633

3622 Woodvalley Dr, Houston, Texas - $609,000

Single-Family
  • 4 Beds
  • 2 Baths
  • 2,571 SQFT
  • 1 DOM
View details More Photos Save

Rare Find In Woodside, 4 Bedroom + Family Room + Both Formal Living Room & Dining Room! This Sought After Neighborhood, Near The Medical Center, Rice Village, Nrg. This Home With Its Great Open Concept Family Room, With Breakfast Bar, Breakfast...

Keller Williams Realty Metropolitan
Photo of Listing #22292956

1198 Jaggard Rd, West Columbia, Texas - $800,000

Country Homes/Acreage, Free Standing
  • 1 Bed
  • 1 Bath
  • 600 SQFT
  • 1 DOM
View details More Photos Save

Ag Exempt! Secluded Riverfront Wooded 25 Acres W/600 Sf Home, Fishing Pond & ~1220 Ft Brazos River Frontage By Tx-35/e Columbia. Property Has Abundant Wildlife & Is Surrounded By 100s Of Federal Wildlife Acreage W/no Neighbors. Hunting/fishing/4-w...

Keller Williams Realty Metropolitan
Photo of Listing #29733658

835 Robin St, Houston, Texas - $339,900

Townhouse/Condo, Townhouse
  • 2 Beds
  • 2 Baths
  • 2,130 SQFT
  • 1 DOM
View details More Photos Save

Welcome To 835 Robin, A 2/3 Bedroom, 2 Bath, 2 Car Garage Contemporary Style Town Home In Midtown, Near Buffalo Bayou Park And Many Other Frequented Houston Attractions. The Property Features An Aluminum Exterior & Roof, Spacious Open Second Floor...

Keller Williams Realty Metropolitan

Copyright © 2017, Houston Realtors Information Service, Inc. All information provided is deemed reliable but is not guaranteed and should be independently verified.

The IDX information is provided exclusively for consumers' personal, non-commercial use, it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All information provided is deemed reliable but is not guaranteed accurate by the MLS and should be independently verified.

Listing information last updated on June 23rd, 2017 at 6:55pm CDT.