If you’ve been scrolling Zillow late at night and wondering how much you actually need to buy your first home — there’s a good chance you’ve seen the term “FHA loan.” But what is  an FHA loan, really? And how do you know if it’s the right fit for you  here in Texas? Let’s break it down — simply, clearly, and without the jargon. First things first: What is an FHA loan? An FHA loan  is a mortgage that’s insured by the Federal Housing Administration  — a government agency that

If you’ve ever tried to buy a home in Texas, you’ve probably heard both words — pre-qualification  and pre-approval. They sound similar, but they’re actually two completely different steps in your home-buying journey. And if you’re shopping anywhere from The Woodlands to Houston , that difference could make or break your offer. The Quick Version Pre-Qualification Pre-Approval What it is A basic snapshot based on the info you tell  your lender. A verified review of income, cr