Houston’s real estate market offers opportunity—but preparation is key. With diverse neighborhoods, expanding suburbs, and fluctuating interest rates, being mortgage-ready can make the difference between winning a home or missing out.

If buying a home in Houston is your goal, here’s how to get mortgage-ready in 90 days.

1. Review Your Finances Early

Start by understanding where you stand financially. Your credit score, income, and savings directly affect loan approval and interest rates.

What to do in the first 15 days:

• Pull your credit report and check for errors

• Aim for a score of 620+ (FHA loans may allow lower)

• Create a realistic budget—most lenders prefer housing costs under 30% of income

Houston Tip: Property taxes vary by area, so budgeting accurately is essential when planning monthly payments.

2. Understand Your Mortgage Options & Get Pre-Approved

Houston buyers have access to multiple loan options:

• Conventional loans (ideal for strong credit)

• FHA loans (lower down payment)

• VA or USDA loans (for eligible buyers)

Getting pre-approved—not just pre-qualified—shows sellers you’re serious, especially in competitive areas like Katy, Cypress, Sugar Land, and The Heights.

Timeline: Days 15–30

• Talk to at least two lenders

• Submit income, tax returns, and credit info

• Secure a pre-approval letter

3. Reduce Debt & Improve Credit

The next 30 days should focus on strengthening your financial profile.

Key goals:

• Lower your debt-to-income ratio (DTI)—ideally under 43%

• Pay down credit card balances

• Avoid new loans or large purchases

Houston lenders look closely at financial stability, especially if you’re buying in higher-tax areas or HOA communities.

4. Work With Houston Real Estate Experts

Local knowledge matters. Houston is vast, and pricing, HOA fees, and flood zones vary widely by neighborhood.

By days 60–75:

• Choose a local real estate agent familiar with Houston neighborhoods

• Work closely with a lender who understands Texas closing costs

• Learn which areas fit your budget and lifestyle—urban, suburban, or new-build communities

5. Stay Ready to Move Quickly

By day 75, you should be fully prepared to act.

Final 15 days:

• Keep finances stable (no job or income changes)

• Watch interest rates

• Be ready to submit offers quickly when the right home appears

While Houston inventory has improved, well-priced homes still move fast.

Final Thoughts

Getting mortgage-ready in 90 days is absolutely achievable with focus and planning. Houston’s market rewards buyers who are prepared, educated, and supported by the right professionals.

Your 90-day roadmap:

1. Clean up finances

2. Get pre-approved

3. Reduce debt

4. Build a local expert team

5. Be ready to act