Expert Buyer Representation
Find Your Perfect Home in Austin
Buying a home is one of the biggest decisions of your life. We're here to make it exciting, not overwhelming. With deep knowledge of Austin's diverse neighborhoods and a commitment to your best interests, we'll guide you every step of the way.
The Home Buying Process
Initial Consultation
We start with a conversation about your goals, budget, timeline, and must-haves. In English or Spanish, whatever makes you most comfortable.
Pre-Approval
We'll connect you with trusted lenders to get pre-approved, so you know exactly what you can afford and are ready to make an offer when the right home appears.
Home Search
Using the MLS and our local expertise, we'll identify properties that match your criteria and arrange showings at your convenience.
Making an Offer
When you find 'the one,' we'll craft a competitive offer strategy based on market conditions, comparable sales, and negotiation expertise.
Under Contract
We'll coordinate inspections, negotiate repairs, and manage every detail of the contract-to-close process.
Closing Day
We'll walk through the final steps together. You'll get the keys to your new home, and we'll be there to celebrate with you.
Common Buyer Questions
Answers to what most buyers ask before their first consultation.
What credit score do I need to buy a home in Austin?
Most conventional loans require a minimum score of 620, though 740+ gets you the best interest rates. FHA loans can go as low as 580 with 3.5% down. Credit score is just one piece of the picture. We'll connect you with trusted lenders who can review your full financial profile.
How much do I need for a down payment?
It depends on the loan type. Conventional loans typically require 3–20% down. FHA loans require 3.5%. VA loans (for eligible veterans) require 0% down. Down payment assistance programs in Texas may also be available. We'll help you find the right fit for your budget.
How long does it take to buy a home in Austin?
Once you're under contract, closing typically takes 30–45 days. Finding the right home varies: some buyers find it in a few weeks, others take a few months. The Austin market moves quickly, so being pre-approved before you start shopping makes a big difference.
Should I get pre-approved before looking at homes?
Yes, we strongly recommend it. Pre-approval shows sellers you're serious and ready to move fast, which matters in a competitive market. It also helps us focus on homes you can actually close on. We can refer you to trusted local lenders to get started.
How much are closing costs for buyers in Texas?
Buyers in Texas typically pay 2–5% of the purchase price in closing costs. This includes lender fees, title insurance, appraisal, and prepaid items like homeowner's insurance. We'll walk you through a full estimate before you make an offer so there are no surprises.
Do I need a buyer's agent?
You don't have to, but having professional representation makes a real difference. A buyer's agent represents your interests, not the seller's, and brings negotiation expertise, market knowledge, and full transaction management from search to closing.
Why Buy with De Luna Realty
- Free consultation, no obligation, no pressure
- Bilingual service in English and Spanish throughout the entire process
- Access to the full MLS plus off-market opportunities
- Expert negotiation to protect your investment
- Trusted network of lenders, inspectors, and service providers
- Personal attention from start to close
Start Your Home Search
Tell us what you're looking for and we'll be in touch.