Earnest money is a key part of every Texas home purchase. Learn how much to offer, when it’s refundable, and how to protect your deposit in a competitive market.

Closing costs in Texas typically run 2–5% of the purchase price and catch many buyers off guard. Learn what fees to expect, who pays what, and how to reduce your out-of-pocket costs at the closing table.

A property survey is required in most Texas real estate transactions. Learn what surveyors check, who pays for it, and what to do if issues are found before closing.

After a home inspection in Texas, buyers can negotiate repairs or credits. Learn how to make a strong repair request, what sellers typically agree to, and when to walk away.

Seller financing lets Texas buyers skip the bank and work directly with the seller. Learn how owner financing works, what to watch out for, and whether it’s right for you.

Confused about the difference between an appraisal and a home inspection? Both are required in Texas real estate — but they serve very different purposes. Here’s what you need to know.

Does a Texas home warranty actually cover what you think it does? From HVAC to appliances, coverage varies widely. Here’s what’s typically included and what’s not.

Is your Texas home in a flood zone? What FEMA map designation means for your insurance, mortgage, and resale value — explained in plain terms.

Understanding your Texas purchase contract is key before you sign. We break down the most important clauses — from option period to closing costs — so you know exactly what you’re agreeing to.

Texas offers first-time homebuyers powerful programs — from down payment assistance to low-interest loans — that can save you thousands. Learn which programs you qualify for and how to take advantage of them with KAT Realty’s flat fee service.

Should you buy in an HOA community or go without? We compare the pros and cons of HOA living in Texas — from amenity access to fees and restrictions — so you can choose the neighborhood that fits your lifestyle.

Texas has some of the highest property tax rates in the country — but most homeowners don’t fully understand how they’re calculated or how to protest them. Learn how Texas property taxes work and how to lower your bill.

From accepted offer to closing day, the Texas homebuying process has key milestones every buyer and seller needs to know. Here’s a week-by-week timeline so you’re never caught off guard.

The Texas homestead exemption reduces your property tax bill by lowering your home’s taxable value — and most Texas homeowners qualify without even knowing it. Learn how to file, how much you can save, and the deadlines you can’t miss.

Title insurance protects Texas buyers and lenders from hidden liens, title defects, and ownership disputes that could threaten your investment. Here’s what it covers, who pays for it, and why skipping it is a risk you don’t want to take.

A Texas home inspection can reveal costly issues before you close — but only if you know what to look for and what to do with the results. Here’s your complete guide to the inspection process, common red flags, and how to negotiate repairs.

In a competitive Texas market, a strong offer can be the difference between getting the house and losing it. Learn the proven strategies — from offer price to contingencies — that help buyers win without overpaying.

Earnest money is your good-faith deposit that shows sellers you’re serious — but what happens to it if the deal falls through? Learn how much to put down in Texas, when it’s due, and how to protect yourself with the right contingencies.

If you’re buying a home in the Houston suburbs or other Texas markets, you’ve probably seen “MUD” on a tax bill — but what does it mean? Learn what Municipal Utility Districts are, why they charge extra taxes, and what to ask before you buy.

The Texas option period gives buyers a limited window to inspect a home and walk away for any reason — no questions asked. Learn how long it lasts, what it costs, and how to use it to protect your investment.