Personal, unhurried guidance for first-time home buyers across Texas. Grant explains your options clearly and stays with you from your first question to the closing table.
Grant is an Austin local who has spent the last 10 years in the home industry. Now a licensed mortgage loan originator, he helps first-time buyers across Texas understand their options and move forward with confidence.
Based in Austin and helping buyers statewide. Choose a place to see what to think about first.
Grant's home base, with everything from condos to classic bungalows.
A sought-after area west of downtown Austin, served by Eanes ISD.
Lake living from Lakeway to Spicewood, on and off the water.
Land, oak trees and open sky around Dripping Springs, Kyle and Boerne.
A major military city with established neighborhoods and growing suburbs.
From inner-loop townhomes to master-planned suburbs.
Options in Dallas, Fort Worth, Frisco, Arlington and many more cities.
Don't see your city? Grant helps buyers across Texas. Photos are for inspiration and don't show specific listings in each place.
Every option, form and fee explained in plain language.
Time to ask questions and make each decision with confidence.
Honest guidance on where you stand and what to do next.
Access to wholesale lenders through an independent brokerage.
Seven clear steps, so you always know what comes next.
A real conversation about your goals, your timeline and what you're worried about.
Your price range and full monthly cost, including taxes and insurance.
Grant reviews your credit, income and assets so sellers can take your offer seriously.
Grant can rerun the numbers on a specific house while you're deciding.
You apply, receive your Loan Estimate and go through the details together.
Appraisal, title and final documents. Grant keeps it moving and keeps you posted.
Grant walks through your final numbers, you sign, and the home is yours.
Property taxes change the answer a lot in Texas. Slide the price, try a rate, and see the full monthly cost.
For education only. This is not a rate quote, loan offer or commitment to lend. Rate buttons are hypothetical scenarios and are not rates available from Grant or his company. The estimate assumes 360 monthly payments on a fixed-rate loan, adds rough mortgage insurance of 0.6% of the loan per year below 20% down, and uses editable tax and insurance figures. Your rate, APR, costs and approval depend on your credit, loan and property.
Pick what sounds most like you to see an option worth asking about.
Two common starting points for first-time buyers. FHA can be more flexible on credit, while conventional may suit buyers with stronger credit.
Talk it through with GrantPrograms are offered through Swisher Capital, PLLC and subject to credit, property and underwriting approval.
Most of these programs have income and price limits. A short conversation can tell you which ones fit.
TDHCA's program for first-time buyers and qualified veterans, with assistance of up to 5% of the loan when funds are available.
See how it worksTSAHC's program for low and moderate income households. Some repeat buyers can qualify too.
See how it worksA 0% city loan for income-qualified buyers purchasing inside Austin's Full Purpose city limits.
See how it worksIt depends on the price, the loan type and any assistance you qualify for. Budget for the down payment, closing costs and a cash cushion. Some loan programs are built for smaller down payments, and Texas assistance programs can help eligible buyers. Grant can run your real numbers in one conversation.
Requirements vary by loan and lender. The state's My First Texas Home program lists a 620 minimum, and TSAHC's Home Sweet Texas lists 620 for government loans and 640 for conventional. If you're below that, Grant can tell you what would help most.
Talking to a loan officer early helps because you'll know your price range before you fall in love with a house. Pre-approval also gives your agent something to work with when you make an offer.
No. The form asks a few questions so Grant can prepare for your conversation. Your credit is only pulled later, with your permission.
Possibly. Many programs count you as a first-time buyer if you haven't owned your primary home in the past three years. Rules vary, so check the specific program.
Texas has no state income tax, and local property taxes do a lot of the work instead. They vary by county, school district and special districts such as MUDs, so two similar homes can have noticeably different payments.
Have a question, even a small one? Call or email Grant. No credit check to start the conversation.
Verify Grant's license on NMLS Consumer Access using NMLS ID 2849522.
