Frequently Asked Questions!

General Questions

What makes you different than every other realtor out there?

When you love what you do, it shows. I genuinely enjoy my job, and that energy comes through in every client interaction. Before real estate, I worked in high-pressure medical settings where quick thinking and attention to detail were essential. That experience helps me thrive in Austin’s fast-moving real estate market and confidently advocate for my clients.

I have called Austin home for over 15 years and have seen the city grow and evolve across every neighborhood. My local knowledge helps me match you with the area and lifestyle that best fit your needs.

Most importantly, I believe buying or selling a home should be fun. My goal is to make this process as smooth and enjoyable as possible while helping you reach your real estate goals.

Who pays for a realtor in a transaction?

In most Austin-area sales, the seller pays the commission for both the listing agent and the buyer’s agent. The commission rate is agreed upon in the listing agreement and then divided between brokerages at closing. Buyers usually do not pay their agent directly unless otherwise stated in writing.

What’s the difference between a broker and a real estate agent?

A real estate agent is licensed by the Texas Real Estate Commission (TREC) to represent buyers or sellers in property transactions. A broker has completed additional coursework, passed a more advanced exam, and has at least three years of experience as an active agent. Brokers can operate independently and supervise other agents, while agents must work under a licensed broker.

How long does it take to buy a home?

The timeline varies for every buyer. Some people find their home right away, while others may search for several weeks or even months. Once a property is under contract, most closings in Central Texas take between 30 and 45 days when financing is involved, or 10 to 14 days for a cash purchase.

Is now a bad time to buy a home? Will the market crash?

There is no sign of a traditional market crash in Austin. The city continues to see long-term growth driven by population increases, job expansion, and the ongoing migration of major tech companies.

While price appreciation has slowed from pandemic highs, economists still project steady demand. Interest rates remain moderate, and inventory levels are lower than historical averages, which supports stable values.
(Sources: Austin Board of REALTORS®, Norada Real Estate, Texas A&M Real Estate Center, 2025)

Buying a Home

What’s the first step to buying a home?

Start by connecting with a realtor and a lender. I offer a pressure-free consultation to explain the process and connect you with trusted lenders. The lender will guide you through pre-approval, which determines how much you can borrow based on your income, credit score, debt-to-income ratio, and available cash. Getting pre-approved early allows you to act quickly when you find the right home.

How much do I need to save to buy a home?

The amount you need depends on your loan type:

• Conventional loans: typically 3 to 5 percent down

• FHA loans: as little as 3.5 percent down

• VA loans: zero down for eligible veterans

You should also budget 2 to 4 percent of the purchase price for closing costs such as lender fees, title, and insurance. Texas offers several first-time homebuyer assistance programs that can help with down payments and closing expenses.

How do I know what my property taxes will be?

In Travis and Williamson Counties, your property taxes are based on your home’s appraised value and the combined tax rate for your area, which includes city, county, school district, and other local taxing entities.

For example, if your home is valued at $500,000 and the combined rate is 1.8 percent, your annual property tax would be about $9,000. You can use the SmartAsset Property Tax Calculator or visit the Travis Central Appraisal District website for more information.

How do I know how much house I can afford?

Your affordability depends on your income, credit score, monthly debt, down payment, and current interest rates. A lender can help you determine your borrowing power and get you pre-approved so you can shop within a comfortable price range.

Should I wait until my credit is perfect to buy?

Not necessarily. Many loan programs accept credit scores as low as 580 (FHA) or 620 (conventional). Improving your credit can help you qualify for better rates, but a lender can also help you create a short-term plan to strengthen your score before closing.

Selling a Home

How do I know what my home is worth?

A Comparative Market Analysis (CMA) compares your home to similar recently sold properties, current listings, and market trends. I provide complimentary CMAs to help Austin homeowners determine an accurate, competitive listing price.

What can I do to prepare my home for sale?

To attract buyers and maximize your sale price, consider these steps:

• Declutter and depersonalize

• Deep clean inside and out

• Make minor repairs such as paint touch-ups or fixing leaky faucets

• Improve curb appeal with landscaping

• Stage key rooms and use professional photography

Homes that show well often sell faster and for more money.

How long does it take to sell a home in Austin?

On average, homes in Austin spend about 45 to 60 days on the market. Well-priced and move-in-ready homes in desirable neighborhoods often sell much faster.

Do I pay both agents when selling?

Yes. The seller typically agrees to a total commission, often around 5 to 6 percent, in the listing agreement. That commission is split between the listing agent and the buyer’s agent and is paid from the sale proceeds at closing.

Financing and Market Insights

What affects my mortgage rate?

Your interest rate is influenced by factors such as your credit score, loan type, down payment, loan-to-value ratio, and current market conditions. Broader economic factors like inflation and Federal Reserve policy also play a role.

What are closing costs?

Closing costs include lender fees, title insurance, appraisal, escrow services, prepaid taxes, and homeowner’s insurance. Buyers can expect to pay about 2 to 4 percent of the purchase price. Sellers typically pay agent commissions and title fees.

Will Austin home prices keep rising?

Austin’s growth continues to be supported by strong job creation, limited housing supply, and ongoing tech expansion. While prices may fluctuate seasonally, the long-term outlook remains positive compared to many other major U.S. cities.

Local Austin Knowledge

Why is Austin such a desirable place to buy a home?

Austin offers a mix of innovation, outdoor recreation, and cultural appeal that few cities can match. With companies like Tesla, Apple, and Oracle expanding here, job demand stays high. Combined with no state income tax and a vibrant local lifestyle, Austin remains one of the most sought-after real estate markets in the country.

What are typical property tax rates in Central Texas?

Property tax rates vary by county and school district. In general, Travis County averages between 1.7 and 2.3 percent, while Williamson County averages between 1.8 and 2.6 percent. Always verify the current rate with your local appraisal district.