Frequently Asked Questions

It depends on the loan type. Conventional loans often start around 5-20%, FHA loans as low as 3.5%, and VA/USDA loans can require 0% down for eligible buyers. Check the Financing page for a breakdown and to run the numbers yourself.

Once you're under contract, closing typically takes 30-45 days, depending on your lender and any inspection or appraisal timelines. Finding the right home can take anywhere from a few days to a few months depending on the market and your criteria.

It's not required, but it's strongly recommended. Pre-approval tells you your real budget and makes your offer far more competitive when you do find the right property.

We analyze recent comparable sales in your area, current buyer demand, and your home's condition and features to recommend a price that's competitive but realistic. Start with a free home valuation to get a baseline.

Sellers typically pay the real estate commission, title fees, and a prorated share of property taxes. Total seller closing costs in Texas usually run around 6-9% of the sale price, though it varies by transaction.

Not always. We'll walk your property with you and recommend which repairs or updates are worth the investment versus which ones buyers won't factor heavily into their decision.

No. The lenders listed on our Financing page are simply people Jose has closed deals with before, listed alphabetically with no preference implied. You're always free to use any lender you'd like.

It varies by loan program. FHA loans can work with scores as low as 580, while conventional loans typically want 620+. A higher score usually means a better interest rate. Talk with a lender to see exactly where you stand.

We primarily serve Laredo, Zapata County, and the surrounding South Texas region, including residential, commercial, land, and ranch properties.

Yes — this entire site is available in both English and Spanish using the toggle at the top of the page, and Jose is happy to work with you in either language.