Buying your first home in Harris County

Get the financing conversation done before you look. Not because anyone wants to rush you, but because a pre-approval sets the search boundaries and makes an offer credible when you find something.

Budget for property taxes properly. Texas has no state income tax and property tax rates reflect that; the monthly figure that matters includes taxes and insurance, not just principal and interest.

Understand what a MUD district is before you are surprised by one. Many newer communities sit in a Municipal Utility District with its own rate on top of the county’s. It is not a problem, but it belongs in the arithmetic from the start.

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