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Your Expert Real Estate Team in Central Worcester County
Meet TIM HARVEY
Your Central Worcester County Expert
Tim Harvey is a seasoned real estate professional with a rich background in leadership and marketing. A former Major in the Marine Corps, Tim specialized as a Combat Engineer, leading a detachment of Marines in Afghanistan with distinction. Transitioning from military service, he has spent the past seven years in real estate marketing, honing his skills in the industry.
Tim served as the Chief Operating Officer for Curaytor, a leading real estate marketing technology company with a specific mission: to help listing agents attract more listings.
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SELLERS
Sell Your Central Worcester County Home on Your Terms
No matter what your goal are, we have you covered! Quick sale? Check! Buy before you sell? Sure! Maximize the sale price? Absolutely.
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BUYERS
Your Journey to Central Worcester County Homeownership Starts Here
Whether you’re looking for your first house, or your next house, we have the experience and expertise to make your dreams come true.
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Our experts answer your questions about buying a home
How much do I need for a deposit to buy a house?
In the U.S., the traditional advice is to put down 20%, but many buyers—especially first-timers—don’t. In fact, the average down payment for first-time homebuyers is around 6% according to the National Association of Realtors. Some loans, like FHA loans, allow as little as 3.5% down, and VA or USDA loans may require no down payment at all if you qualify. So while 20% avoids mortgage insurance, most Americans buy homes with much less upfront.
How long does it take to buy a house?
The timeline to buying a home can vary. Aside from the time it takes to find a home you love, it normally takes 6 to 12 weeks to buy it. In some cases, it can take up to six months.
The conveyancing part alone can take up to three months. But there are things you can do to speed up the process.
What is the process of buying a house?
Start by figuring out what you can comfortably afford using a mortgage calculator. In North DFW—especially in competitive areas like Flower Mound—it’s smart to get pre-approved early. While Texas doesn’t have stamp duty like other states, don’t forget to factor in property taxes and closing costs. And if your credit could use a boost, work on that before submitting a mortgage application.
Now for the fun part—house hunting. Use local real estate search tools to zero in on the right neighborhood, school district, or home style, whether you’re into newer builds, master-planned communities, or something more custom. Flower Mound has a wide range of options, from luxury estates to family-friendly subdivisions.
Once you find the right home, a local real estate agent and title company can guide you through making an offer, negotiating repairs or price, and completing all the paperwork. You’ll go under contract, complete inspections and appraisals, and move toward closing—usually within 30 to 45 days.
What credit score is needed to buy a house?
Conventional loans usually require 620+ (740+ for the best rates), while FHA allows 3.5 % down at 580+ or 10 % down between 500–579. VA and USDA have no official minimum, but lenders typically look for 620–640. Higher scores lower your rate and mortgage insurance, so pay bills on time and keep credit-card balances low before applying.
