Your first home starts here.

Buying your first home is one of the most exciting (and intimidating) decisions you will ever make. T. Kerr Property Group has helped first-time buyers across the area plant roots, build equity, and start their next chapter with confidence.

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We Get It

First-time buying is different. We handle it differently.

Our first-time buyers leave the closing table understanding exactly what they bought and why.

Most first-time local buyers have the same questions and the same concerns. How much can I afford? What is the actual process? Will I overpay? What about closing costs, inspections, and earnest money? Is now even the right time to buy? At T. Kerr Property Group, those are the conversations we have every week, and we make sure you never feel lost in them.

Tanya Kerr and our team translate the jargon, explain every contract clause, and walk you through what a healthy first-time purchase looks like. You will know what you are signing, what each fee actually covers, and how to position yourself competitively in the local market without overstretching financially.

First-Time Home Buyer Guide for Central Texas | T. Kerr Property Group

What First-Time Buyers Need to Know

The four things that matter most before you start.

Get these right and the rest of the the area home buying process gets a lot easier.

01.

Know Your Full Cost

A monthly payment is more than principal and interest. Property taxes in Williamson County, homeowners insurance, HOA dues (in many the area communities), and PMI all factor in. We make sure you see the real number before you fall in love with a house.

02.

Understand Closing Costs

First-time buyers often underestimate closing costs by thousands. In Texas, expect about 2 to 5 percent of the purchase price between lender fees, title fees, taxes, and prepaids. We help you plan for it so it is not a surprise.

03.

Earnest Money and Option Fees

Texas contracts include an earnest money deposit and a separate option fee that buys you the right to walk away during the option period. We will explain how both work, what is at risk, and how to protect yourself.

04.

Loan Type Matters

Conventional, FHA, VA, USDA, and Texas first-time programs each have different down payment requirements and tradeoffs. A 20 percent down payment is not required. We will connect you with lenders who explain the math.

Programs to Know

First-time buyer programs available in Texas.

Texas first-time buyers have access to several programs that can dramatically reduce upfront costs. The Texas State Affordable Housing Corporation (TSAHC) and the Texas Department of Housing and Community Affairs (TDHCA) offer down payment assistance and below-market interest rates for qualifying buyers, often layered on top of FHA, VA, USDA, or conventional loans.

FHA loans allow as little as 3.5 percent down with more flexible credit requirements. VA loans offer zero down payment for qualifying veterans and active-duty service members, a huge advantage in Williamson County where Fort Cavazos brings many military families. USDA loans cover certain areas around the area with zero down payment for buyers below income thresholds.

We will walk through which programs apply to your situation and connect you with lenders who handle them every day.

Your First Move

Start your the area home buying journey.

The best time to talk to one of the top realtors is before you start shopping. We will walk you through your options, help you understand what you can afford, and put together a plan that gets you into the right first home.

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