Buy My First Home

Confidently navigate your first home buying journey.

First-Time Home Buyers — Start Here

Feel confident buying your first home

Clear steps. Friendly guidance. No guessing.
Buying your first home is a big deal—and you shouldn’t have to figure it out alone. Mosaic Realty Group gives you a simple plan, walking you through each decision so you feel prepared, supported, and excited for what’s ahead.

Why First-Time Buyers Choose Mosaic

  • We make it simple. What feels overwhelming gets broken into doable steps, explained in plain language so you always know what’s next.

  • Local insight that matters. We live and work in Lewisville, Flower Mound, Highland Village, and surrounding North Texas neighborhoods, so you get advice that’s rooted in real knowledge.

  • Steady support. We handle the details, timelines, and negotiations—so you can focus on the fun part: finding your home.

Your 10-Step Roadmap

  • Meet with a lender of your choice to learn your budget and monthly payment comfort zone. If you’d like, we can recommend the lender we work with most often for you to interview.

  • Set your goals, explore neighborhoods, and talk through your must-haves.

  • We’ll set up a custom search based on your criteria and area of interest. You’ll be notified immediately when something new hits the market so you never miss a chance.

  • See your top picks and adjust your list as needed.

  • We’ll help you determine a smart, competitive offer.

  • Both sides sign, timelines start.

  • Negotiate repairs or credits.

  • Lender confirms home value.

  • Lender clears you for closing.

  • Sign, get the keys, and celebrate.

  • Item description

The Blueprint to Keys

The Blueprint to Keys

Get Pre-Approved

Typical cash to plan for in North Texas

Know Your Buying Power

Why it matters

  • Sets your real price range. You’ll know exactly what you can afford before falling in love with a home.

  • Strengthens your offer. Sellers take pre-approved buyers more seriously.

  • Saves time. You can focus on homes that fit your budget instead of guessing.

How it works

Pre-approval comes from a lender—not from us. It’s a simple process where they look at your income, savings, debts, and credit to show how much you can borrow and what monthly payment range makes sense. This gives you a clear starting point for your search.

👉 Already have a lender? Perfect—start there. If not, we can share the local lender we work with most often so you can interview them and decide if they’re a good fit.

Every buyer’s situation is unique, and the exact cash needed depends on your loan program, lender, and home price. That’s why a consultation with a trusted lender and real estate agent is so important—there’s no one-size-fits-all answer.

Here’s a general range many first-time buyers see:

  • Down payment: 3%–20% of the purchase price (depending on program).

  • Closing costs: 3%–5% of the loan amount.

  • Inspection: about $500–$750.

  • Earnest money: about 1% of the purchase price (credited back at closing).

Build Your Must-Have List

Clear & Achievable

Non-Negotiables – Basics you won’t budge on (like location, bedroom count, or max monthly payment).

Strong Wants – Features you’d love but could compromise on if the home checks your must-haves.

Deal-Breakers – Things you absolutely want to avoid (major structural issues, unsafe neighborhoods, or homes that don’t fit your lifestyle).

Pro tip: We’ll help you focus on big-ticket systems and safety first—cosmetic updates can always come later.

What We Handle for You

Create a custom search based on your needs and preferred area.

  1. Send you instant alerts for new listings so you don’t miss opportunities.

  2. Schedule tours, gather details, and point out potential red flags.

  3. Help you decide on an offer price by comparing your home choice to the most recent sales of similar homes nearby.

  4. Guide you through offer strategy, inspection negotiations, and repair credits.

  5. Coordinate with title, lender, and all parties so nothing slips through the cracks.

FAQs

Common Questions When You’re First Considering Buying

  • Yes—meeting with a lender first keeps your search realistic and competitive. You can choose any lender you like, or we can give you the name of the one we work with most so you can see if they’re a fit for you.

  • It depends on the value of the home you’re buying. Plan for down payment + closing costs + inspection + earnest money. We’ll help you map your numbers so there are no surprises.

  • We’ll review the report together. If the issues are minor, we may ask for repairs or credits. If they’re major and the seller won’t work with us, we can always keep looking.

  • Once you’re under contract, most first-time buyers close in 30–45 days, depending on loan type and timelines.

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Final Walk-Through Red Flags: What Every Homebuyer Should Know Before Closing

This essential part of the home-buying process ensures everything in the house is as expected and that no new issues have popped up.