# Buy

- Link: https://cleverrealtors.com/buy/
- Published: 2023-11-01T09:01:28-05:00
- Author: Hernan Romero

Dallas–Fort Worth Home Buying Guide Your Next Home Starts with a Clear Plan. From planning your budget to getting the keys, Clever Realtors helps you navigate buying a home in Dallas–Fort Worth with clarity and confidence. Start My Buying Plan Explore the Buying Process The Buying Process Six Stages from Plan to Keys Every purchase is different, but most follow these stages. Choose a stage to see what you’ll do, how we help, and a short video from our team. 01Build Your Buying Plan 02Prepare Your Financing 03Find and Tour Homes 04Make and Negotiate an Offer 05Review the Home 06Closing and Your Keys 01Build Your Buying Plan Start by getting clear on what you want and why. A plan built around your goals, preferred locations, timing, priorities, and a comfortable budget makes every later decision easier. What you’ll doThink through your timeline, must-haves, and nice-to-haves, and the areas you’d like to live in. Consider the monthly payment that feels comfortable—not just the most you might qualify for. How Clever Realtors helpsConnecting with an agent early lets you talk through your goals, compare Dallas–Fort Worth areas, and set realistic priorities before you start touring. Checklist Decide your timeline Identify your must-haves Consider locations and commutes Speak with an agent Good to knowIn Texas, an agent must have a written agreement with you before showing you a home. Talking with an agent early gives you time to review that agreement—including the services provided and how your agent is compensated—before tours begin. Watch Video · 2:57Consider This Before You Choose a Real Estate Agent Meet Our AgentsRead: Choose a Real Estate Agent ← PreviousNext: Prepare Your Financing → 02Prepare Your Financing Unless you’re paying cash, talk with a lender early. A preapproval shows how much a lender may be willing to lend after reviewing your finances, so you can shop with a realistic budget. Preapproval is not final loan approval. Final approval comes later, after the lender reviews the specific home, the appraisal if required, and updated documentation. What you’ll doCompare lenders, provide financial information for preapproval, and plan for your down payment, closing costs, and the ongoing costs of owning a home—such as property taxes, homeowners insurance, and any HOA dues. How Clever Realtors helpsWe can introduce you to lenders we work with and explain how your financing affects your offer. You’re free to choose any lender. Checklist Talk with a lender Get preapproved Plan your down payment and closing costs Budget for taxes, insurance, and HOA dues Buying with cash?You’ll typically provide proof of funds with your offer. Even without a lender, you may still choose an inspection and an appraisal for your own peace of mind. Watch Video · 2:19What you should know before getting pre-approved for a mortgage Connect with a LenderRead: Get Pre-Approved for a Mortgage ← PreviousNext: Find and Tour Homes → 03Find and Tour Homes With your plan and financing in place, start comparing homes and neighborhoods. Seeing homes in person helps you refine what really matters. What you’ll doReview listings, compare neighborhoods, commutes, and home features, schedule tours, and update your priorities as you learn what you like. How Clever Realtors helpsYour agent can arrange showings, point out what to look for during tours, and help you compare homes side by side. Checklist Shortlist neighborhoods Compare homes and features Schedule tours Refine your must-haves Watch Video · 2:02Start House Hunting in the DFW Get Help with Your Home SearchExplore CommunitiesRead: Start House Hunting in the DFW ← PreviousNext: Make and Negotiate an Offer → 04Make and Negotiate an Offer When you find the right home, you and your agent decide on an offer strategy based on comparable sales, current competition, and your goals. What you’ll doReview comparable properties, decide on price and terms—such as closing date, financing, and any requested seller contributions—and submit a written offer. Once both sides sign, the contract creates legal commitments, so review it carefully. How Clever Realtors helpsWe help you understand the comparables, prepare your offer, and negotiate price and terms on your behalf. Buyer representation and compensation. In Texas, an agent must have a written agreement with you before showing you a home. It explains the services provided and how your agent is compensated. Compensation is negotiable. A seller may agree to contribute toward it as part of an offer, but that isn’t guaranteed—representation isn’t automatically free. Checklist Review comparable sales Decide on price and terms Understand the contract Submit and negotiate Watch Video · 2:14Make an offer on the property Talk About an Offer StrategyRead: Make an Offer on the Property ← PreviousNext: Review the Home → 05Review the Home and Complete Due Diligence After your offer is accepted, you’ll use the time provided in your contract to learn more about the home and meet your lender’s requirements. Inspection vs. appraisal. A home inspection evaluates the property’s condition. An appraisal estimates its market value, usually for your lender. An appraisal does not guarantee the home’s condition. What you’ll doSchedule inspections, review the findings, discuss any repair requests, respond to your lender’s requirements, and review the title commitment and related documents. How Clever Realtors helpsWe help you keep track of contract deadlines, understand inspection findings, and negotiate repair requests. Checklist Schedule inspections Review findings and request repairs Respond to lender requests Review title documents About the option periodMany Texas buyers negotiate an option period: a set number of days during which they can terminate the contract for any reason, in exchange for an option fee. It applies only when it’s included in your signed contract and the fee is paid on time. Deadlines and protections always depend on the agreement you sign. Watch Video · 3:20Option Period, Inspection and Appraisal in Texas Talk with Clever RealtorsRead: Option Period, Inspections, Appraisals ← PreviousNext: Closing and Your Keys → 06Prepare for Closing and Get Your Keys As closing approaches, you’ll review your final documents, walk through the home, and confirm everything is ready. What you’ll doReview your closing disclosure and other documents, complete a final walkthrough, arrange your funds using instructions verified with the title company, and sign at closing. How Clever Realtors helpsWe coordinate with your lender and title company, help you prepare for the walkthrough, and keep you informed through closing and funding. Protect your funds. Before sending money, confirm wiring instructions by calling the title company at a phone number you’ve verified independently—never one from an email alone. Checklist Review closing documents Complete the final walkthrough Verify wiring instructions Confirm funding and possession When do I get the keys?You receive the keys when the transaction has funded and possession transfers under the terms of your contract—which isn’t always the moment you sign. Watch Video · 3:14What to Know Before Closing Talk with Clever RealtorsRead: Close the Deal ← PreviousNext Buying Questionnaire Start Your Buying Plan Tell us what you’re looking for so our team can help you plan your next step. A few quick questions about the home, your budget, and your timing—about two minutes. Start My Buying Plan Helpful Resources Tools for Your Next Step Get Help with Your Home SearchShare what you’re looking for and our team will help you plan your search.Start My Buying Plan → Meet Our AgentsGet to know the Clever Realtors team serving Dallas–Fort Worth.Meet Our Agents → Explore CommunitiesCompare 30 Dallas–Fort Worth communities before you start touring.Explore Communities → Connect with a LenderMeet lenders we work with. You’re always free to choose your own.View Preferred Lenders → Buyer FAQ Common Questions from Buyers Where should I start when buying a home?Start with a plan: your timeline, the areas you’re considering, your must-haves, and a monthly payment that feels comfortable. From there, talk with a lender (unless you’re paying cash) and an agent so you can begin your search with a realistic budget. Should I talk to an agent or a lender first?Either order can work, and many buyers talk with both early. A lender can help you understand your budget and preapproval. An agent can help you plan your search and compare areas. In Texas, you’ll need a written agreement with an agent before they show you a home, so it helps to have that conversation before touring. What costs should I expect besides the down payment?Common costs include closing costs, an option fee and earnest money if your contract calls for them, inspections, an appraisal, homeowners insurance, property taxes, and HOA dues where they apply. Your lender can give you a Loan Estimate showing expected costs for your loan. What is the difference between an inspection and an appraisal?A home inspection evaluates the property’s condition, such as the roof, structure, and major systems. An appraisal estimates the home’s market value, usually for your lender. An appraisal is not an inspection and doesn’t confirm the home’s condition. How long does it take to buy a home?It varies. The search can take anywhere from a few weeks to several months, depending on your needs and the market. Once a contract is signed, the time to closing depends on the closing date in your contract and whether you’re financing—financed purchases often take longer than cash purchases. Can I work with an agent when buying new construction?Yes. Many builders allow buyers to bring their own agent, but policies differ. Builders often ask that your agent be with you or registered on your first visit, so it’s best to contact us before visiting a model home or sales office. Your agent can help you review the builder’s contract, incentives, and inspection options. Let’s Plan Your Next Move. Tell us where you want to go. We’ll help you understand the next step. Start My Buying Plan Meet Our Agents Call 972-741-4273 Prefer email? Write to info@cleverrealtors.com Clever Realtors is a virtual brokerage. We meet by phone, video, and at the properties you tour—office visits aren’t available.