10 Steps to Closing on Your Home (Texas Edition)

Buying a home is more than just paperwork—it’s the beginning of a brand new chapter. Whether you’re a first-time buyer or just need a refresher, here’s a clear breakdown of the 10 essential steps to closing on your new home in Texas—from pre-approval to popping champagne on closing day.

1. Get Pre-Approved for a Mortgage

Before you start house-hopping, get your finances in place. A lender will review your income, credit, and debts to issue a pre-approval letter, which tells sellers you’re a serious buyer—and gives you clarity on your budget.

2. Find the Right Realtor®

In a hot Texas market, your Realtor® is your MVP. Choose someone who not only understands the area but also educates and empowers you (hint: I know a girl 😉). Your agent will guide you through neighborhoods, offers, inspections, and all the behind-the-scenes details.

3. Start House Hunting

This is the fun part! Create your list of must-haves vs. nice-to-haves and explore homes that match your lifestyle. Stay open-minded and trust your gut when something feels like the one.

4. Make an Offer

Once you've found your match, it’s time to make an offer. Your agent will help you write a competitive contract with smart protections (like an option period), and maybe even an escalation clause if needed.

5. Negotiate the Terms

Sellers may counter with different terms—this is where your agent steps in to negotiate price, repairs, closing costs, and timelines so everything aligns with your goals.

6. Schedule Your Inspections

Don’t skip this! Your option period allows time to bring in inspectors who’ll evaluate the home’s condition. Common ones include general, pest, roof, and foundation inspections. This step helps you know exactly what you’re walking into.

7. Finalize Your Financing

Once inspections are done and you’re ready to move forward, your lender will collect updated documents to finalize the mortgage loan. This is where loan processing and underwriting happens.

8. Get the Home Appraised

Your lender will order a third-party appraisal to confirm the home’s value aligns with the contract price. This protects both the lender and you—especially for VA or FHA loans, which ensure you’re not overpaying.

9. Review Your Closing Disclosure

Three days before closing, your lender will issue a Closing Disclosure. This shows the final loan terms, interest rate, and all the costs due at closing. Review everything carefully and ask questions early!

10. Closing Day – Sign, Celebrate & Get Your Keys!

The big day is here! You’ll sign all the final documents, transfer funds, and officially become a homeowner. Bring your ID and a smile—you’re about to walk away with keys in hand and the next chapter of your life ready to begin.

Final Thoughts:

Buying a home doesn’t have to feel overwhelming. With the right team, a smart strategy, and this step-by-step plan, you’ll move through the process with clarity and confidence. Whether you're purchasing in Temple, Austin, or anywhere in between—your luxury journey starts here.

Ready to start your homebuying journey?
Send me a message that says “CLOSING STEPS” and I’ll help you get moving in the right direction.