Before you start browsing listings, it's crucial to understand your financial situation. This involves:

Checking Your Credit Score: Your credit score significantly impacts your mortgage interest rates. Review your credit report and take steps to improve it if needed.

Calculating Your Budget: Determine how much you can comfortably afford for a monthly mortgage payment, including principal, interest, taxes, and insurance (PITI). Don't forget to factor in potential HOA fees.

Saving for a Down Payment and Closing Costs: Start saving early! The down payment amount will vary depending on the loan type. Closing costs include expenses like appraisal fees, title insurance, and loan origination fees.

Getting pre-approved for a mortgage is a critical step. It shows sellers you're a serious buyer and gives you a clear understanding of how much you can borrow. To get pre-approved, you'll need to provide a lender with financial documentation, such as:

Proof of income (pay stubs, tax returns)

Bank statements

Identification

What are you looking for in your first home? Consider:

Location: Which Houston neighborhoods or suburbs appeal to you? Think about commute, schools, amenities, and lifestyle.

Property Type: Are you interested in a single-family home, townhome, or condo?

Size and Features: How many bedrooms and bathrooms do you need? What features are must-haves versus nice-to-haves?

Long-Term Plans: How long do you plan to stay in this home?

A knowledgeable and experienced real estate agent who specializes in the Houston market can be an invaluable asset. They can:

Help you navigate the home search.

Provide insights into local market trends.

Schedule and accompany you on property showings.

Guide you through the offer and negotiation process.

With your pre-approval in hand and your agent by your side, it's time to start looking at homes! Utilize online listings, attend open houses, and work closely with your agent to find properties that meet your criteria. Be prepared to act quickly in a competitive market.

Once you've found the right home, your agent will help you prepare and submit an offer. This includes the purchase price, financing terms, and any contingencies (such as a home inspection). In Texas, you'll also need to understand the earnest money and option period.

If your offer is accepted, you'll typically have the opportunity to conduct a home inspection to identify any potential issues. Your lender will also order an appraisal to ensure the property's value aligns with the loan amount. 

The final step is closing, where you'll sign all the necessary paperwork, finalize your mortgage, and officially become a homeowner! This involves coordinating with your lender, real estate agent, and the title company.