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Aerial view of Collin County community
Buying Guide

Find your
home.

Whether you are a first-time buyer or looking to upgrade, the process should be exciting — not stressful. I handle the complexity so you can focus on finding the perfect place.

Read the Complete Buyer's Guide
How It Works

Six steps to
your new home.

01

Get Pre-Approved

Before you start looking, know your budget. Through our in-house mortgage company, we can get you pre-approved quickly and at competitive rates — all under one roof.

02

Define Your Needs

Location, size, style, schools, commute — let us narrow down the search so every showing is worth your time. No wasted weekends driving around.

03

Tour & Compare

I will set up personalized searches and schedule showings that match your criteria. We compare neighborhoods, builders, and communities to find the right fit.

04

Make an Offer

In a competitive market, the right offer strategy matters. I use real-time market data to craft offers that get accepted while protecting your interests.

05

Under Contract

Inspections, appraisals, title work, and lender requirements — I manage the entire process so you do not have to worry about a thing.

06

Closing Day

Final walkthrough, signing, and keys. It's Showtime! Welcome to your new home.


Chad Montgomery — helping first-time buyers in North Texas
First-Time Buyers

Everything you
need to know.

Buying your first home is one of the biggest financial decisions you will ever make. Here is what you need to know before you start looking.

What Should I Do First?

Get pre-approved, define your budget, identify your must-haves, and connect with a trusted agent. That last part is where I come in — and the rest is already taken care of.

Down Payment Options

You do not necessarily need 20% down. FHA loans start at 3.5%, conventional as low as 3%, and there are Texas-specific programs for first-time buyers. I help you find the right fit.

Closing Costs Explained

Closing costs typically run 2-5% of the purchase price. Through negotiation, I can often get the seller to contribute toward your closing costs — saving you thousands.

In-House Mortgage

Our in-house mortgage company streamlines the entire process. One team, one vision, from home search to closing. No juggling multiple parties.

Inspection Education

An inspection report can look scary, but most issues are minor. I walk you through every item and help you understand what really matters versus what is cosmetic.


Why Collin County?

Live the best life
in Collin County.

A+

School Districts

Frisco ISD, McKinney ISD, Prosper ISD, and Allen ISD consistently rank among the best in Texas.

12%

Annual Growth

Collin County is one of the fastest-growing counties in the nation with major employers and infrastructure investment.

TOP 10

Best Places to Live

Multiple Collin County cities consistently rank among the best places to live in the entire United States.


Related Resources

Explore more.

Ready to find
your home?