Mortgage strategies for home buyers in 2026

Strategy Tips for Texas Homebuyers

1. Get Pre-Approved Early

Pre-approval clarifies your buying budget and shows sellers you are a serious buyer. In a market with rising inventory and varying offer conditions, this step can distinguish your offer.

2. Understand Loan Options

Texas buyers commonly choose among:

• 30-year fixed rates for long-term stability.

• 15-year fixed rates for lower total interest but higher monthly payments.

• ARMs or alternative terms if you plan to refinance later.

But there are MANY different options among our 100+ lenders: Some offer unique products. We can also advise you on mortgage hacks you can use that will save you thousands.

3. Budget Beyond Principal and Interest

Property taxes in Texas are above the national average, and homeowners insurance adds another meaningful cost. These factors affect your total monthly payment and should be included in your budget calculations. The are very location specific costs so beware! LocalCalc

4. Be Prepared to Act

Even though the market has softened, desirable homes still attract attention and multiple offers in many cases. Being pre-approved, flexible, and ready to move quickly can make

 a difference.

Conclusion

Careful planning, comparison of loan types, and realistic budgeting for taxes and insurance will help buyers navigate financing effectively in 2025.