Buying a house in Central Texas is challenging due to rising prices, despite low interest rates. Buyers should understand the homebuying process and consider local community banks for mortgage needs, as they evaluate situations beyond credit scores. Researching recent home sales and understanding market comparables is crucial. Prequalification helps determine affordability and can expedite the process. Various loan options exist, including construction loans for building homes. Interest rates impact payments, so it's essential to explore all financing options.
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