How Holley Homes Realty Helps You Get Ready to Buy with Confidence
Buying a home in South Austin starts with one essential step. You need a clean, complete pre-approval that tells sellers you are serious and ready. Many buyers skip preparation and end up scrambling when the right home hits the market. You can avoid that stress. You can enter the 78748 market organized, confident, and ready to make a strong offer.
If you plan to buy in Onion Creek, Texas Oaks, Shady Hollow, or anywhere across 78748, this guide covers everything you need. You will learn what lenders want, how to prepare your documents, and how to strengthen your credit profile before you apply.
Holley Homes Realty works with buyers across South Austin who want a smooth, simple buying process. We help you gather your documents, review your income and debt structure, and understand the steps lenders take before issuing a pre-approval. You do not have to guess. You do not have to do this alone.
Homes in 78748 move fast. Inventory stays low. Sellers expect buyers to be ready within minutes, not days. A strong pre-approval gives you three advantages.
Holley Homes Realty keeps the process simple. We help you collect the right documents early so your lender can issue the strongest pre-approval possible. If your credit needs small adjustments, we guide you through those steps before you apply.
Start with the basics:
income documentation, assets, and a clear debt profile.
Every lender asks for the same core items. Organize these before you meet with a lender so your pre-approval is issued quickly.
W-2 Employees
If you earn a traditional paycheck, gather:
If you work in tech, education, healthcare, or public service in South Austin, lenders will ask for verification of employment. This is standard. Preparing your documents early helps speed this up.
If you run a business, freelance, or work contract roles, you will need:
Many South Austin buyers work hybrid roles or earn multiple income streams. Lenders review income consistency and deposits. Holley Homes Realty can help you structure these documents so your lender sees a clear financial picture.
Lenders compare your monthly debt to your monthly income. This ratio matters. It decides your loan type and your maximum purchase price.
Your lender will review:
Buyers in 78748 often see competitive price points between 475,000 and 700,000. A clean debt profile gives you more flexibility when new listings appear in Texas Oaks, Maple Run, Buckingham Estates, and Onion Creek.
Holley Homes Realty helps you understand which debts matter and which debts do not affect your approval. Many buyers overestimate the effect of certain accounts. We break this down before you apply.
Your credit score influences your interest rate, affordability, and loan options. You do not need perfect credit to buy in 78748. You only need a clean and stable credit pattern.
Focus on three areas.
1. On-Time Payments
Avoid late payments in the six months before applying.
2. Credit Utilization
Keep revolving balances below 30 percent.
3. No New Large Accounts
Do not open new credit lines unless your lender instructs you to.
Holley Homes Realty helps you understand which credit behaviors strengthen your approval and which ones to avoid. We keep the process simple so you can move forward with confidence.
In the South Austin market, lenders and listing agents look at your reserves. Reserves are extra funds left over after your down payment and closing costs.
Three categories matter.
Down Payment
Down payments vary by loan type. Many buyers in 78748 use three to five percent down.
Closing Costs
Plan for two to four percent of the purchase price.
Post-Closing Reserves
One to three months of mortgage payments improves the approval and strengthens your offer.
Holley Homes Realty helps you estimate these numbers so you can plan your budget with clarity.
You can strengthen your approval with simple habits.
Provide updated pay stubs every 30 days. Avoid transferring large sums between accounts. Avoid large purchases. Keep your employment stable. Do not co-sign loans.
These steps help your lender issue a clean final approval once you are under contract on a South Austin home.
Homes in Texas Oaks, Onion Creek, and the Southpark Meadows area sell quickly because buyers value convenience and location. A complete pre-approval gives you the ability to act fast when the right home appears.
Holley Homes Realty keeps the process organized. We help you prepare your documents, understand your buying power, and stay ready for competitive offer situations.
You can begin your search here:
• Search All South Austin Homes: Search Homes
• Homes in 78748: Search 78748 Homes
• Buyer Guide: Buyer Guide
• Mortgage Calculator: Mortgage Calculator
• Home Value Estimator: Home Valuation
Holley Homes Realty supports buyers who want clarity, confidence, and a simple process. When you are ready to take the next step, we guide your pre-approval process and help you approach the 78748 market with a clear plan.
Before touring homes or contacting a listing agent, start with a conversation about your goals, your timeline, and your ideal location.
Explore South Austin, Buda, and Kyle with a clear plan.
512.487.9242
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