Homebuyer Education
Whether you are ready to start, how buying new construction differs from a resale, and what happens between contract and keys.
Start here →free resources
Homebuyer Resources
Everything here is free, and none of it asks you to commit to anything. These are the same explanations and checklists I walk my own clients through, written in plain language so you can start wherever you are.
Understanding Credit
What lenders actually look at, what moves a score, what to stop doing before you apply, and a six-month plan to get mortgage-ready.
Read the guide →Down Payment Assistance
The Texas and Houston-area programs most buyers never hear about, how each one is structured, and where each one applies.
See the programs →Homebuying Glossary
Escrow, MUD districts, earnest money, rate buydowns and the rest of the vocabulary, defined in plain language so nothing gets past you.
Look up a term →Mortgage Payment Calculator
Most calculators show only principal and interest. This one breaks out taxes, insurance, mortgage insurance and HOA dues too.
Run the numbers →Mary De Pinho | Texas Real Estate License #579203 | Dalton Wade Real Estate Group
Mary De Pinho is a licensed real estate agent and is not a lender, mortgage broker, or credit repair organization. Information about down payment assistance programs, credit readiness, and mortgage financing is provided for educational purposes only and does not constitute financial, legal, or credit repair advice. Assistance program eligibility, terms, income limits, and available funding are subject to change and are determined by the administering agency, not by the agent. Results vary by individual situation. Figures cited in this material were current as of the date of publication; verify all program details with the appropriate agency before making financial decisions.
Equal Housing Opportunity. Mary De Pinho does not discriminate on the basis of race, color, religion, sex, national origin, familial status, disability, or any other class protected under federal, state, or local fair housing law.
Buyer representation is provided under a written buyer representation agreement. The agent's commission for new-construction purchases is paid by the builder at no cost to the buyer. Terms of representation are disclosed in writing before services begin, in accordance with current Texas Real Estate Commission rules.