Everything nobody explains, explained — for Texas buyers.
A Texas first-time buyer playbook covering readiness, costs, timelines, and how VA, USDA, FHA, and conventional loans compare. NMLS #2252174.
Krissi Ebbens, Senior Mortgage Broker
Ebbens & Co Mortgage Group/Powered by Xpert Home Lending
Phone: (254) 479-2434
Email: [email protected]
NMLS# 2252174
Company NMLS# 2179191
Licensed in: TX
Equal Housing Lender. All loans subject to credit approval, underwriting guidelines, and program availability. Rates and terms may change without notice. Not all applicants qualify. This is not a commitment to lend.
First-Time Home Buyer Texas | Krissi Ebbens
A Texas first-time buyer playbook covering readiness, costs, timelines, and how VA, USDA, FHA, and conventional loans compare. NMLS #2252174.
Everything nobody explains, explained — for Texas buyers.
Are you readier than you think?
The three buckets of cash.
Six weeks, give or take.
The menu, side by side.
The 2am-Google questions.
You just read the playbook. The next page is a conversation.
Programs
First-time home buyer Tx
This is the conversation Krissi has with every first-time buyer — readiness, real costs, timelines, and how VA, USDA, FHA, and conventional compare. Read it, then call with the good questions.
Tap every box that’s true today. Most people surprise themselves.
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“How much do I need?” is really three questions. Here they are with a worked example at $285,000.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
From first hello to keys, the typical arc — assuming the house-hunt cooperates.
Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.
Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.
Answered the way we’d answer a friend — including the parts that don’t favor us.
Twenty minutes, free, and specific to your numbers — not the internet’s.
Your Texas home loan specialist — VA, USDA, FHA, conventional, bank statement, and more. I’ll help you find the loan tailored to your needs.
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This is not a commitment to lend. Any rates, payment figures, or examples shown on this site are illustrative only and may not include Annual Percentage Rate (APR). Actual rates and APR vary based on credit, loan program, property, and other factors, and may change without notice. Contact us for a personalized quote.
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