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Your Step-by-Step Guide to Buying in Texas

How the Texas Home Buying Process Actually Works

Buying a home in Texas doesn't have to feel complicated. But it does require a clear map. This guide walks you through every phase of the process — with real timelines, honest context, and the details most buyers only learn the hard way. Our goal is simple: you should feel informed and steady every step of the way.

The Dunnican Team Buyer Guide

What to Expect
Before You Start

 

The Texas home buying process has its own rules — TREC contracts, option periods, funding requirements — and it moves faster than most buyers expect. Whether you're relocating, moving up, or buying for the first time, the structure below is the same. What changes is the strategy.

A few things worth knowing before we get into the details:

 

Pre-approval and pre-qualification are not the same thing. One carries weight with sellers. The other doesn't.

 

Texas is a "funding state," which means you don't get keys until the lender has actually wired funds — not just when you've signed documents.

 

The option period is one of the most powerful protections available to Texas buyers. Most people don't fully understand it until it's almost over.

We'll explain all of it. Let's start at the beginning.

How to buy a home in Texas

how to buy a home in texas