From “maybe” to moving day
Understand pre-approval, home shopping, inspections and closing before you start.
Learn more ›First-time home buyers · Greater Houston
Your first home.
Your next chapter.
You bring the dream. Jovany brings local knowledge and a clear plan—from your first questions to the moment you get the keys.
Let’s plan your first home › See the buying stepsHouston & surrounding communities / Welcome home
10 years in real estateKeller Williams Houston CentralFirst homes · New constructionEnglish & Spanish
You don’t need every answer today
Just a clear
place to begin.
Buying your first home is a big decision. Get practical answers, understand your options and take it one step at a time.
You may not need 20% down
Explore low down payment options and ask the right questions about Texas assistance programs.
Learn more ›Know what to ask
Prepare your documents, compare costs and avoid common first-time buyer surprises.
Learn more ›Guidance built around you
Big questions.
Real conversations.
“Am I ready?” “What can I afford?” “Where should I start?” Work with an agent who takes time to understand your goals and explain what comes next.
Jovany Trujillo helps first-time buyers and new-construction buyers across Houston and surrounding communities. With 10 years in real estate, his approach starts with education and personal attention.
Talk with Jovany ›01
Start with your real budget
Focus on the complete monthly cost, savings and what feels comfortable.
02
Find a home that fits your life
Compare priorities, locations and the condition of each property.
03
Understand before you sign
Ask questions about contracts, deadlines, inspections and closing costs.
A budget you can understand
Look beyond the list price.
Explore a monthly housing payment and a simple starting cash budget. These sample inputs are illustrations, not current rates, lender quotes or a qualification decision.
Illustrative monthly housing payment
Principal & interest
Taxes, insurance, mortgage insurance & HOA
Down payment
Down payment + closing costs / prepaids
Fully amortizing fixed-rate loan. Mortgage insurance is a manual estimate and is not automatically calculated by program. An FHA upfront premium or other financed fees are not modeled. Cash figure excludes inspections, moving and reserves, and does not subtract deposits, credits or assistance. This is not an official cash-to-close estimate. Utilities and maintenance are additional.
Explore your options
A home that fits.
A community to call yours.
Buying in Houston, Spring, Conroe, Montgomery, Katy, Brookshire, Alvin or Manvel? Compare your commute, budget, property condition, taxes and recurring costs at the address level. Jovany can help you focus your search.
First-time buyer answers
Let’s make home buying
less of a mystery.
Do I need 20% down to buy my first home?
Not always. Some mortgage programs allow a smaller down payment for eligible borrowers. Your options depend on credit, income, occupancy, the property and lender requirements. Compare the complete payment, mortgage insurance and cash needed to close—not just the down payment.
How much money do I need beyond the down payment?
Plan for closing costs, prepaid taxes and insurance, inspections, moving and an emergency cushion. Your lender’s Loan Estimate and later Closing Disclosure identify mortgage-related costs. Some contract payments may be due before closing; confirm timing with your agent and lender.
What credit score do I need?
There is no single score that qualifies everyone. Loan programs and lenders have different standards, and they also review income, debts, employment, assets and the property. Ask a lender to review your situation before assuming you cannot qualify.
Can I get down payment assistance in Texas?
You may qualify for a state or local program, depending on current funding, income, credit, purchase price, location and other conditions. Ask about grants versus repayable or forgivable loans, education requirements, interest rates and what happens if you sell or refinance.
What is included in my monthly mortgage payment?
Budget for principal, interest, property taxes, homeowners insurance and any mortgage insurance. Add HOA dues and flood insurance if applicable, plus utilities and maintenance. Taxes and insurance can change even with a fixed mortgage interest rate.
Is a new-construction home a good first home?
Compare the full cost, location, contract, estimated completion date, warranties, inspections and financing terms. Builder promotions may require a specific lender or other conditions. Ask about post-construction taxes and recurring fees before choosing.
What is the difference between an inspection and an appraisal?
An inspection evaluates the home’s condition and potential issues. An appraisal provides the lender with an opinion of value for the financing decision. One does not replace the other.
Can you help me buy a home in Spanish?
Yes. Jovany works with buyers in English and Spanish across Houston and surrounding communities. Call or text 281-546-0845 to discuss your goals.
A place to start. A person to guide you.
Your first home starts
with a conversation.
You don’t have to have every answer yet. Tell Jovany where you’d like to live, your timeline and what feels comfortable for your budget. Together, map out the next step.
Call 281-546-0845 ›Let’s talk about your first home.
Jovany Trujillo
Keller Williams Houston Central
10 years in real estate · English & Spanish
Contact links open your phone or email app. Please send financial documents only through your lender’s secure channel.