Your complete step-by-step roadmap to homeownership — from credit score to closing day, with the property tax, insurance, and Option Period details generic guides leave out.
Opens instantly — view, save, or print. No forms. No sign-up. No pressure.
Most guides ignore what makes Texas different. This one was written around it.
Seventeen chapters that walk you through the entire homebuying journey. Here's a sample.
What makes up your FICO score — and the 30- and 60-day plans that can boost it before you apply.
You likely need less than you think — 0–3.5% on most programs, plus $5,000–$15,000+ in Texas DPA grants many buyers don't know they qualify for.
FHA, Conventional, VA, and USDA side by side — with 2026 loan limits and which Hill Country areas qualify for 0% down USDA.
The $140,000 Homestead Exemption, and the separate school district tax that surprises buyers — and that lenders often leave out of your estimate.
The uniquely Texan contract window that lets you walk away for any reason — and how to use it strategically after your inspection.
Every fee explained, the wire-fraud warning that protects your down payment, and the checklist for the day you get your keys.
…plus 11 more chapters covering pre-approval, house hunting, making an offer, insurance, and a plain-English glossary of every mortgage term you'll encounter.
My goal with this guide is simple: answer your questions before you ever have to ask them, so you can plan ahead, avoid common mistakes, and stay in control of the process — with the reach of a statewide lender and the personal service of a neighbor.— Chet Hearn, Senior Mortgage Advisor · Coast2Coast Mortgage
The questions buyers across Kerrville, San Antonio, and the Hill Country ask most — answered in depth inside the guide.
Grab the free guide, and when you're ready, a 15-minute call with Chet can save you thousands — and months of uncertainty.
Or call/text Chet directly: (830) 642-1507
This guide is for educational purposes only. Loan programs, rates, and requirements are subject to change. This is not tax or legal advice. All loans subject to credit approval. Chet Hearn, Senior Mortgage Advisor, NMLS #1931461 · Coast2Coast Mortgage, NMLS #376205 · Equal Housing Lender.
NMLS Consumer Access
