Buy Now And Move In Just Before Christmas! Receive $3500 Towards Your Closing Cost!

What Kind A Christmas Present Would A BRAND NEW 4 Bedroom, 2 Bath, 1871 Sq Ft Home Be? Near the Medical Center with HERS Energy Rating, Vinyl Double Pane Tilt Sash Low E Windows, 2in Blinds, Art Niches & Tile Floors Throughout! Stunning Open Plan w/Casual Dining & Grand Living Room w/High Ceilings Open to Gourmet Kitchen w/Stainless Appliances, Island, Skylight, Granite, Tile Back-splash, Tall Cabinets, Working Breakfast Bar, DuPure Water Filtration System, Great Pantry! Spacious Master, Bath w/His & Her Sink Vanity, Fabulous Over-sized Walk-In Glass Shower, Walk-in-Closet! Covered Patio! Sprinkler

Call The Jones Company at (832) 883-0375 For Personal Tour of This Home! Get Moved In Before Christmas!

Presented By:

Andres Jones

Real Estate Authority
Realm Real Estate Professional
Licensed In: Texas
License #: 634549

  • Link on Facebook
  • Link on Twiiter
  • Connect on YouTube
  • Connect on Google+
  • Connect on LinkedIn


Click here to see more pictures and detailed information.
Schedule a Showing
Search All Homes For Sale
Free Home Values
Homes Close to Where You Work
Avoid Foreclosure


Real Estate Authority
Realm Real Estate Professional
Schedule a Showing!
Licensed In:
License #:
L2L Virtual Tours

5 Simple Steps To Buying A Home


This book is to help improve your knowledge of the home buying process. Like everything in life, the steps here could be different for every situation and may not be done in the order that it is written but I have provided the steps that necessary and some things to think about before you decide to move forward in one of the biggest financial decisions of your life.

Buying a home can be a complicated process.  Andres Jones will show you the steps of the home-buying process, and provide helpful information to make this an uncomplicated process.

Step 1: Deciding to become a homeowner

  • How long do you plan to stay in the home? It’s best to think about buying a home if you plan to remain in the area for at least 3-5 years.
  • How does your rent compare to your estimated mortgage payment? In some areas, renting may be much more affordable than owning a home.
  • Are you ready for the responsibility of owning a home? More than just making mortgage payments, being a homeowner also means paying insurance, making repairs, and sticking to a strict budget.
  • Think about your reasons for deciding to buy a home. Are you considering buying because you are starting a family? Tired of renting? Trying to make money in real estate? Peer pressure?

Step 2: Check out your options

  • Have you saved for a down payment? A down payment isn’t necessary for most first-time borrowers, but having one can help you save a lot of money on your mortgage. Ideally, you should have a down payment equal to 3.5-5% of the home’s price.
  • Evaluate home prices in your area. Are there any areas that are more affordable? Do experts think home prices will increase or decrease over the next few years? You can use a home affordability calculator to see how much you can afford to buy.
  • Take a look at mortgage rates and calculate some basic mortgage options. Are rates supposed to increase or decrease over the next few years? Is it better to have a fixed rate mortgage or adjustable rate mortgage?
  • Research the home buying process online. MCMF offers a webinar and literature on Home-buying 101
  • Talk to people who have purchased homes in your area in the last few months. Ask them for their advice and opinions about buying a home. What challenges did they face? What tips do they offer?
  • For people with credit scores of 640 or higher, there are grant programs that will give you 4-6% towards your closing you don’t have to pay back. There are also down-payment assistance programs that will allow you to have zero down payment.

Step 3: Obtain a pre-approved mortgage

  • Start by comparing mortgage rates online without applying. Visit the websites of some of a few online lenders to estimate your mortgage options. Also evaluate your options with a local bank and credit union. Many companies have “pre-qualify” systems to estimate what you may be able to afford. Pre-qualifying is a good step for evaluating different lenders but is not the same as pre-approving.
  • Once you have narrowed your search down to a few lenders, apply for a pre-approved mortgage with each company. Each application can cause a small drop in your credit score, so apply with moderation.
  • Your pre-approval is basically a promise from the lender that you can qualify to borrow up to a certain amount of money at a specific interest rate. This promise is subject to a property appraisal and other conditions, however.
  • Remember, your pre-approval is for the maximum amount you can potentially borrow. This is not the amount that you should spend or that you can comfortably afford each month. Try to use less than the maximum to buy a home.
  • Act quickly, if possible. Most pre-approval offers last between 60-120 days before they expire.

Step 4: Shop for a home

  • What features are you looking for in a home? Write a list of things that your ideal home will have. How many bedrooms? How many closets? Appliances? Take this list with you when you go look at homes.
  • Take detailed notes about each home you see. It can be easy to forget the differences between properties when you are looking at several homes a day. Make a note of anything that needs to be fixed so you can evaluate the cost of these repairs. You may also want to bring a digital camera along with you.
  • Check out the estimated value of the home online.
  • Negotiate the price. In many housing markets, buyers have the power to negotiate a reduced price for a home. Work with your real-estate agent to come up with a good bargain.

Step 5: Seal the deal

  • Arrange for a home inspection. An inspection is a necessary step before you agree to buy the home. A $300-500 inspection could potentially reveal serious problems with the home that need to be fixed before the purchase or that could invalidate your offer.
  • Evaluate your homeowners insurance and warranty options. Shop around for the best deal on these policies now. You’ll need to secure your homeowner’s insurance before the final closing.
  • Obtain final loan approval from your mortgage lender. Since you were pre-approved in Step 3, this should be cinch!
  • Work with your agent or attorney to prepare the closing documents. This is the last major step towards becoming a homeowner and the step that requires you to sign a bunch of documents. Take some time to review these agreements closely and ask questions about things you don’t understand.

Congratulations! You are now a homeowner!

Subscribe to my email list at to get updated information on buying a home of your own. If you have questions after you read this please email me at