Determine Your Budget
Let’s talk money—because it’s better to be realistic from the start than fall in love with a place way outside your price range.
- The rule of thumb? Don’t spend over 33% from your pre tax income Try not to spend more than a third of your pre-tax income on housing.
- Most places will want you to make 3x the rent or mortgage payment each month.
And don’t forget the extras like:
- Property taxes
- Home insurance
- Utilities
- Maintenance and surprise repairs (hello, leaky roof )
If you can swing it, a 20% down payment can help lower your monthly cost and give you a head start on equity.
Research Austin Neighborhoods
Get to know the city and its many unique neighborhoods.
Use tools like:
- Niche
- Walk Score
- City-Data
- Consider what matters most to you: nightlife, nature, family-friendliness, or investment potential.
- Take your time and explore a few areas. Your perfect fit is out there—we’ll help you find it. Our team at DNB Realty uses professional tools to help you explore the best fits for your goals.
Find the Right Location
Depending upon your lifestyle, you should choose a location.
Key Factors to Consider:
- Commute time to work or school
- Public transportation access
- Safety/crime rates
- School quality (Check school quality as it impact your resale)
- Local places like shops, parks, restaurants should be accessible
Consider Your Needs
Keep in mind your future needs and lifestyle
- How many bedrooms and bathrooms do you need?
- Do you want a yard, office, or guest room?
- Planning to grow your family? Need room for pets, hobbies, or working from home?
- Will it be another home, or will you be staying long?
Think About What You Need
Okay, dream time. What do you actually want and need in your future home?
- How many bedrooms and bathrooms?
- Do you need an office? A big kitchen? A backyard?
- Planning to grow your family? Need room for pets, hobbies, or working from home?
It helps to picture yourself living there 5–10 years from now. What still works? What’s missing?
Get Pre-Approved
This one’s important! Before you fall head-over-heels for a house, make sure you know what you can borrow.
- A lender will take a look at your credit, income, and savings
- Get a pre-approved letter of credit.
- It also keeps you shopping in the right price range (less heartbreak)
Need a lender rec? We’ve got some great ones.
Start Your Home Search
This is the fun part! Scroll through listings, go to open houses, or let us know what you’re looking for so we can send some great picks your way.
Or skip the guessing game and let us find homes that check your boxes (and stay in budget!).
Schedule Home Tours
Visit homes to get a true feel for the space.
- Take detailed notes and photos
- Compare layout, condition, neighborhood, and price
- Be open-minded—pictures don’t always tell the full story.
Make an Offer
You found the one. Let’s go!
We’ll help you write a smart, competitive offer and negotiate contingencies like inspection results or seller concessions. Our job? Getting you a deal that works for you, without blowing your budget.
Get a Home Inspection
Home inspection is a must to avoid any future surprises.
- Get the house inspected by a licensed inspector. he will check from roof to foundation
- You’ll find out if there are issues or things to fix
- You should negotiate the price if there are repairs you have to do
- Peace of mind? 100% worth it.
Close the Deal
You made it!
- Pay complete to all the documents. You have to sign lot of paperwork
- Pay your down payment and closing costs
- Get the keys—and maybe a little emotional
We’ve got your back there, too. Check out our [Selling Guide] for staging tips, market insights, and a plan that helps you get top dollar.
Need help with any step along the way? Just reach out—our team at DNB Realty is here to make this whole process feel a little less “ugh” and a lot more “YES!”
Making a Difference
Everything we do is intended to make a difference in your life so that you can buy and/or sell with confidence.
FAQ
Why Should I Buy a Home in Austin?
Austin isn’t just a city — it’s a lifestyle. With its thriving tech scene, great schools, food, music, and outdoor living, it’s one of the best places to call home.
What’s the First Step to Buying?
Get pre-approved for a mortgage. It sets your budget and shows sellers you’re serious. After that, I’ll help you find homes that fit your goals and lifestyle.
Do I Really Need a Realtor to Buy?
Yes. Austin is a fast-moving market, and having a professional on your side can help you spot the right home early, write a strong offer, handle inspections and contracts, and negotiate the best price.
How Competitive Is the Market?
Very! Some homes get multiple offers within days. I’ll help you craft a competitive offer while staying within your comfort zone.
How Much Do I Need for a Down Payment?
Typically 3–20%, depending on the loan. I can connect you with trusted local lenders and help explore first-time buyer programs.
What Should I Look for During Home Tours?
Beyond layout and style, focus on condition, foundation, roof, and HVAC systems. I’ll help you spot red flags and understand what repairs or updates might cost before you make an offer.
How Does the Offer and Negotiation Process Work?
Once you find the right home, I’ll help you write a competitive offer and guide you through inspections, appraisals, and closing. I handle the details so you can focus on what matters — moving into your new house.
What Are Closing Costs?
Usually 2–5% of the purchase price, covering title, appraisal, and loan fees. I’ll review these with you so there are no surprises.
Can I Buy New Construction?
Yes! I’ll help you compare builders, review contracts, and make sure you get fair terms — even when buying directly from a builder.
Can I Use a Realtor When Buying From a Builder?
Absolutely — and you should. The builder’s sales rep represents them, not you. I represent you and make sure you’re protected.
How Long Does It Take to Buy a Home?
Typically 30–60 days from pre-approval to closing, depending on financing and inspections. I keep things organized and moving smoothly.
What Happens After Closing?
Once the keys are in your hand, I’ll still be here! Whether you need contractor recommendations, neighborhood info, or help renting the property — I’m always happy to help even after the sale.