Ready to Buy Your First Home in Central Texas?
We’ll guide you step-by-step through the process so you can feel confident, prepared, and excited — not overwhelmed.
Why First-Time Buyers Choose
JD Walters Realty
Our team helps first-time buyers feel confident, prepared, and supported from the first showing to final closing. We’re here to make homeownership possible — and personal.
🏡 Local Market
Experts
We know Central Texas. Get insider access to homes in Belton, Temple, Killeen, Salado, Waco, and Harker Heights.
📋 Step-by-Step Guidance
From prequalification to closing, we walk you through every step of the buying process with clear answers and helpful resources.
💬 Honest Communication
You’ll always know what’s happening. We respond quickly, follow through, and explain every detail plainly and clearly.
🎯 Tools Built for
Buyers
Our listings, calculators, and planning guides help you shop smarter, manage timelines, and stay organized while you search.
How Our Process Works
Buying your first home can feel overwhelming — but not here. We’ve built a clear path so you know exactly what to expect, every step of the way.
🏦 Get Prequalified
We connect you with trusted lenders so you can shop with a confident budget.
🏘️ Browse Local Homes
Use our powerful search tools to explore real-time listings across Central Texas.
🤝 Make Your Offer
Our expert agents help you draft competitive offers and negotiate with clarity.
📝 Close Confidently
From inspection to paperwork, we guide you through every final detail — stress-free.
Real Stories from First-Time Buyers
Hear how JD Walters Realty helped clients across Central Texas buy with clarity and confidence.
Angela R.
First-time buyer in Temple
Joseph T
New homeowner in Belton
“They were patient, responsive, and explained everything in plain language. I felt like a priority.”
Kendra S.
Purchased in Harker Heights
FAQs
We’re here to make your journey to homeownership easier. If you’ve got questions, you’re not alone—these are the ones we hear the most from first-time buyers in Central Texas.
What credit score do I need to buy a home?
Most lenders look for 620+, but some loan programs allow lower scores. The higher your credit score, the better your chances for approval and better rates.
How much money should I save before buying?
You’ll need funds for a down payment (3%–20%) plus closing costs (usually 2%–5%). Ask us about programs that can reduce or eliminate these costs.
Can I get prequalified without affecting my credit?
Yes. A soft credit pull gives you a ballpark idea. A full preapproval involves a hard pull, but we’ll guide you on when to do it.
Do I need to use a real estate agent to buy a home?
No—but having an agent costs you nothing as a buyer and gives you an expert to help you negotiate, spot red flags, and manage paperwork.
What’s the first step in buying a home?
Get prequalified. Knowing your budget helps you search smarter, stand out to sellers, and avoid surprises later.
Ready to Make Your Move?
Start your homeownership journey in Central Texas with confidence.
