Blog

How to Protest Your Property Taxes in Texas (2026 Guide)

Learn how to protest your property taxes in Texas step by step. Key dates, evidence tips, homestead exemptions, and Austin-area specifics for 2026.

July 9, 2026Read more →

What Is an HOA and Should You Avoid Neighborhoods With One?

A complete guide for Texas homebuyers: what HOAs do, how much they cost in Austin, pros and cons, 2026 Texas HOA law changes, and questions to ask before buying.

July 8, 2026Read more →

Market Report16 min read

Austin Housing Market Report — June 2026

June 2026 Austin housing market analysis: median prices, inventory, days on market, mortgage rates, and what buyers and sellers should expect heading into late summer.

July 7, 2026Read more →

Buyer Guide11 min read

Homeowners Insurance in Texas: What Buyers Need to Know in 2026

A complete guide to Texas homeowners insurance for 2026: coverage types, average costs in Austin, windstorm and hail deductibles, what is excluded, and 7 ways to save money on your policy.

July 7, 2026Read more →

Financing11 min read

Can I Buy a House While in Chapter 13 Bankruptcy in Texas?

Yes, you can buy a home during an active Chapter 13 bankruptcy in Texas. Learn the loan options, trustee requirements, waiting periods, and step-by-step process.

July 6, 2026Read more →

What Happens if My Appraisal Is Higher Than Purchase Price?

When your home appraisal exceeds your purchase price in Texas, you gain instant equity. Learn what it means for your loan, PMI, taxes, and next steps.

July 1, 2026Read more →

Can I Get a Mortgage If I Just Started a New Job?

Yes, you can get a mortgage with a new job. Learn the employment history requirements for FHA, conventional, VA, and USDA loans in Texas — and what documents you need.

June 30, 2026Read more →

Buyer Guide16 min read

Do I Need a Green Card to Buy a House in Texas?

No green card required to buy a home in Texas. Learn how non-citizens can purchase property using ITIN loans, FHA loans, and other financing options. Get expert guidance from Sully Ruiz.

June 29, 2026Read more →

Can I Buy a House With a Tax ID Number (ITIN) Instead of a SSN?

Yes — you can buy a house in Texas with an ITIN instead of a Social Security Number. Learn how ITIN mortgage loans work, requirements, down payments, and rates in 2026.

June 26, 2026Read more →

What Are FHA Loan Requirements in Texas?

Learn FHA down payment, credit score, MIP, and Austin-area costs for Texas buyers in 2026. Talk with Sully Ruiz to compare your options.

June 25, 2026Read more →

What Is PMI on a Mortgage in Texas?

Learn what PMI means in Texas, when it applies, how removal works, and whether low-down-payment buyers in Austin should avoid it. Book a free consult.

June 19, 2026Read more →

What DTI Do You Need to Buy a House in Texas?

Learn what debt-to-income ratio lenders look for in Texas, how DTI affects loan options, and what Austin-area buyers can do next.

June 18, 2026Read more →

Financing2 min read

What Is PMI When Buying a House in Texas?

PMI is usually required on a conventional loan with less than 20% down. Learn how it works in Texas and when you can remove it.

June 18, 2026Read more →

What Is a Home Inspection in Texas? A Buyer's 2026 Guide

Learn what a Texas home inspection covers, what it costs in Austin, and how buyers use the report during the option period. Includes 2026 checklist and FAQs.

June 17, 2026Read more →

Buyer Guide10 min read

What Is Earnest Money in Texas Real Estate?

Earnest money in Texas is typically 1-3% of the purchase price. Learn how it works, when it is refundable, and how it differs from the option fee.

June 16, 2026Read more →

Buyer Guide11 min read

Assumable Mortgage in Texas: How It Works in 2026

Assumable mortgages in Texas let buyers take over a sellers FHA or VA loan. Learn how assumptions work, requirements, pros, and cons in 2026.

June 16, 2026Read more →

Seller Guide14 min read

What If Your Home Appraisal Comes in Low in Austin?

A low appraisal can delay an Austin home sale. Learn your options, the appraisal-gap math, and when to renegotiate or challenge the value.

June 12, 2026Read more →

Buyer Guide8 min read

What Happens if My ITIN Expires While I Have a Mortgage in Texas?

Worried about your ITIN expiring while you have a mortgage in Texas? Learn what it means for your home loan and what steps you need to take. Contact Sully Ruiz for a free consultation.

June 10, 2026Read more →

How Long Does It Take to Sell a House in Austin in 2026?

Wondering how long it takes to sell a house in Austin in 2026? See current timing, pricing, and prep tips, then book a free consultation.

June 9, 2026Read more →

Should You Relist Your Home After It Expires in Austin?

Expired listing in Austin? Learn when to relist, what to fix first, and how to avoid repeating the same mistakes. Book a free consult.

June 8, 2026Read more →

What Is My House Worth in Austin in 2026?

See what really drives Austin home values in 2026, where online estimates miss, and how to price smarter. Book a free consultation with Sully Ruiz.

June 5, 2026Read more →

What Repairs Should You Make Before Selling in Austin?

Learn which repairs are worth making before selling in Austin in 2026, and when a credit or price cut may be smarter. Book a free consult with Sully.

June 4, 2026Read more →

Should You Accept an Offer Below Asking in Austin?

Wondering whether to accept an offer below asking in Austin? See 2026 market data, negotiation benchmarks, and how to protect your net proceeds.

June 3, 2026Read more →

Should You Offer Concessions or Cut Price in Austin?

Austin sellers in 2026: learn when a closing-cost credit beats a price cut and when lowering the list price is the smarter move. Book a consult.

June 2, 2026Read more →

Market Report13 min read

Austin Housing Market Report — May 2026

See May 2026 Austin housing prices, inventory, and rate trends, then book a local consult with Sully Ruiz.

June 1, 2026Read more →

How Much Does It Cost to Sell a House in Austin?

See the typical cost to sell a house in Austin in 2026, from title fees to concessions, and get a realistic seller net estimate.

May 29, 2026Read more →

When Should You Lower Your Home Price in Austin?

Learn when to lower your home price in Austin, what 2026 market data says, and whether a price cut or concession is smarter. Book a pricing review.

May 28, 2026Read more →

Why Isn't My House Selling in Austin?

Austin homes take longer to sell in 2026. Learn the top reasons listings stall and how to fix pricing, prep, and marketing with Sully Ruiz.

May 27, 2026Read more →

How Long Does It Take to Sell a Home in Austin?

Selling in Austin usually takes 45 to 90 days from prep to closing. Learn each step, common delays, and when to talk to Sully Ruiz.

May 26, 2026Read more →

How Do Property Taxes Work in Texas?

Understand Texas property taxes, key exemptions, and how to estimate the real monthly payment before you buy. Book a free consultation.

May 25, 2026Read more →

What Rights Do You Have Selling a Home in Texas Without English?

Selling a home in Texas without speaking English? Learn your rights, red flags, and safest next steps before you sign. Book a consultation.

May 21, 2026Read more →

Do You Owe Capital Gains Tax When Selling a Home in Texas?

Selling a home in Texas? Learn when capital gains tax applies, how the IRS exclusion works, and what records to keep. Book a free consult.

May 20, 2026Read more →

Can You Sell a Home Bought with an ITIN Loan?

Yes. Learn how selling a home bought with an ITIN loan works in Texas, including taxes, FIRPTA, and closing steps. Book a free consult.

May 19, 2026Read more →

Selling a Home in Texas as a Non-Citizen: FIRPTA Rules Explained

Selling a Texas home as a non-citizen? Learn FIRPTA withholding rules, exemptions, timelines, and next steps with Sully Ruiz. Book a free consult.

May 14, 2026Read more →

How to Sell a Home in Austin if Spanish Is Your First Language

Selling a home in Austin and want Spanish-speaking support? Learn pricing, disclosures, seller costs, and closing steps. Book a free consultation.

May 13, 2026Read more →

Can Two Families Buy a House Together in Texas?

Yes—if the loan, title, and exit plan are set up right. Learn how two families can co-buy in Texas and what to watch before you sign.

May 8, 2026Read more →

Market Report12 min read

Austin Housing Market Report — April 2026

See April 2026 Austin housing market trends, home prices, inventory, and mortgage rates. Need local guidance? Book a consult with Sully Ruiz.

May 7, 2026Read more →

Area Guide12 min read

Round Rock vs. Georgetown: Which City Fits You?

Comparing Round Rock vs. Georgetown in 2026? See prices, commute times, schools, and lifestyle differences—then book a free consultation.

May 7, 2026Read more →

Is Round Rock Good for Large Families? Honest Pros and Cons

Thinking about moving a big family to Round Rock? Compare schools, home prices, commute, parks, and tradeoffs before you buy. Book a consult.

May 6, 2026Read more →

How Can Immigrants Build Credit in the U.S.?

Learn how immigrants can build credit in the U.S. and prepare for homeownership in Texas. Start with Sully Ruiz today.

May 5, 2026Read more →

Is It Better to Rent or Buy in Austin in 2026?

See whether renting or buying makes more sense in Austin in 2026, with local market data, cost comparisons, and next-step guidance.

May 1, 2026Read more →

April 30, 2026Read more →

How Much Money Do You Need to Buy a House in Austin in 2026?

See how much cash Austin buyers may need in 2026 for down payment, closing costs, and monthly payment planning. Book a free consultation.

April 29, 2026Read more →

What Credit Score Do You Need to Buy a House in Texas?

Learn the credit score ranges Texas buyers usually need for FHA, conventional, VA, USDA, and ITIN loans. See your next step with Sully Ruiz.

April 28, 2026Read more →

Can Self-Employed Buyers Use Bank Statement Loans in Austin?

Learn how self-employed buyers in Austin can qualify with bank statement loans, what documents you need, and when to talk to Sully Ruiz.

April 24, 2026Read more →

Can You Buy a House in Texas with No Credit History?

Yes, you may still qualify. Learn how alternative credit, rent history, and the right lender can help you buy a home in Texas.

April 23, 2026Read more →

What Types of Home Loans Are Available in Texas?

Compare FHA, conventional, VA, USDA, jumbo, and ITIN loans in Texas so you can choose the right mortgage for your budget and timeline. Book a free consult.

April 22, 2026Read more →

What Documents Do You Need for an ITIN Loan in Texas?

Learn the ITIN loan documents Texas buyers need in 2026, plus Austin market context and next steps. Start with Sully Ruiz today.

April 21, 2026Read more →

Down Payment Assistance in Austin and Travis County (2026)

Learn which Austin and Travis County down payment assistance programs may help in 2026, including city, TSAHC, and TDHCA options.

April 21, 2026Read more →

How to Buy a House in Texas with an ITIN Number

Learn how to buy a home in Texas with an ITIN in 2026, what documents you need, and how to start with Sully Ruiz.

April 17, 2026Read more →

Can You Buy a House Without a Social Security Number?

Can you buy a house without an SSN in Texas? Learn the real options, documents, and costs, then talk with Sully Ruiz for a plan.

April 14, 2026Read more →

Cost of Living in Austin vs. Other Texas Cities (2026)

Compare Austin's 2026 cost of living with Dallas, Houston, and San Antonio, then plan your next move with Sully Ruiz.

April 13, 2026Read more →

Relocating to Austin in 2026: What to Know

Planning a move to Austin? See 2026 housing, commute, school, and cost tips before you relocate. Talk with Sully Ruiz today.

April 10, 2026Read more →

How to Start Investing in Austin Real Estate in 2026

Thinking about your first Austin investment property? Learn the numbers, risks, neighborhoods, and financing basics before you buy.

Best Neighborhoods for Families in the Austin Metro

Comparing the best family-friendly neighborhoods in the Austin metro for 2026? See prices, tradeoffs, and how to choose the right fit.

April 9, 2026Read more →

Should You Sell Now? Austin Market Analysis 2026

Thinking about selling in Austin? See what the 2026 market means for price, timing, and strategy—then book a free consultation.

April 8, 2026Read more →

March 31, 2026Read more →

Home Staging Tips for the Austin Market

Planning to sell in Austin? Use these home staging tips to make your listing stand out in 2026 and book a free consultation with Sully Ruiz.

March 30, 2026Read more →

How to Price Your Home to Sell Fast in Austin

Learn how to price your Austin home to sell faster in 2026 with local data, smart comps, and expert guidance from Sully Ruiz.

Market Report14 min read

Austin Housing Market Report — March 2026

See March 2026 Austin housing market trends, prices, inventory, and what they mean for buyers and sellers. Need local guidance? Book a consult.

March 27, 2026Read more →

March 26, 2026Read more →

Understanding Closing Costs in Texas: A Complete Breakdown

Closing costs in Texas run 2%–5% for buyers and 6%–9% for sellers. Learn every fee line by line, with a real $400K Austin example and tips to reduce what you pay.

March 25, 2026Read more →

How to Get Pre-Approved for a Mortgage in Austin: 2026 Guide

Step-by-step guide to getting mortgage pre-approved in Austin, TX. Learn credit score requirements, documents needed, and how much home you can afford in 2026.

Buyer Guide15 min read

Down Payment Assistance Programs in Texas (2026)

Texas homebuyers in 2026 can access up to $40,000 in down payment assistance. Learn which DPA programs cover Austin, how to stack them, and how to qualify.

March 24, 2026Read more →

March 23, 2026Read more →

ITIN Loans in Texas: How to Buy a Home Without a SSN

Yes, you can buy a home in Texas without a Social Security Number. Learn how ITIN loans work, what documents you need, down payment requirements, and step-by-step guidance for 2026.

Buyer Guide16 min read

First-Time Homebuyer Guide: Austin Metro 2026

Complete 2026 guide for first-time homebuyers in Austin, TX. Learn about loan options, down payment assistance programs up to $30K, and the best affordable suburbs.

March 20, 2026Read more →

Area Guide12 min read

Living in Jarrell, TX: What You Need to Know in 2026

Thinking about moving to Jarrell, TX? Discover the housing market, neighborhoods, schools, commute times, and cost of living for 2026. Median homes around 81K.

March 19, 2026Read more →

March 18, 2026Read more →

Living in Buda, TX: What You Need to Know in 2026

Thinking about moving to Buda, TX? Discover the housing market, neighborhoods, Hays CISD schools, cost of living, and commute times for 2026. Your complete guide.

March 16, 2026Read more →

Living in Kyle, TX: What You Need to Know in 2026

Thinking about moving to Kyle, TX? Discover home prices, top neighborhoods, schools, commute times, and why Kyle is one of the fastest-growing cities in the Austin metro.

March 15, 2026Read more →

Texas Property Tax Checklist: 3 Things Every Homeowner Must Do

Lower your Texas mortgage payment with 3 free steps: homestead exemption (40K off taxable value), annual insurance shopping, and protesting your appraisal before May 15.

Area Guide15 min read

Living in Hutto, TX: What You Need to Know in 2026

Thinking about moving to Hutto, TX? Discover the housing market, neighborhoods, schools, commute, and cost of living in this fast-growing Austin suburb. Updated March 2026.

March 13, 2026Read more →

March 12, 2026Read more →

Living in Leander, TX: What You Need to Know in 2026

Thinking about moving to Leander, TX? Explore median home prices, top neighborhoods, Leander ISD schools, commute options, and cost of living in this 2026 guide.

Area Guide12 min read

Living in Pflugerville, TX: What You Need to Know in 2026

Thinking about moving to Pflugerville, TX? Discover the housing market, schools, neighborhoods, cost of living, and commute in this complete 2026 guide.

March 11, 2026Read more →

March 10, 2026Read more →

Living in Cedar Park, TX: What You Need to Know in 2026

Thinking about moving to Cedar Park, TX? Discover home prices, top-rated Leander ISD schools, neighborhoods, commute times, and why Cedar Park is one of Austin's best suburbs in 2026.

Living in Georgetown, TX: What You Need to Know in 2026

Thinking of moving to Georgetown, TX? Get the full picture: housing prices, neighborhoods, schools, commute to Austin, and what life is really like in one of Texas's fastest-growing cities.

March 9, 2026Read more →

How to Sell Your Home in Austin, TX: A Complete Guide (2026)

Selling a home in Austin in 2026? Get the full guide — pricing, costs, process, negotiations, and closing explained in plain language.

First-Time Homebuyer Guide for Hispanic Families in Austin, TX (2026)

Can you buy a home in Austin without a Social Security Number? Yes. Complete guide covering ITIN loans, down payment assistance, programs, and step-by-step process for Hispanic families.

Living in Austin, TX: What You Need to Know in 2026

Thinking about moving to Austin, TX? Get the full breakdown — housing market, best neighborhoods, schools, cost of living, and commute tips for 2026.

Area Guide11 min read

Living in Round Rock, TX: What You Need to Know in 2026

Thinking about moving to Round Rock, TX? Discover the housing market, best neighborhoods, top schools, cost of living, and commute tips for 2026.