Author: Hannah

What Is Owner Financing and How Does It Work in Plano

How Does Owner Financing Work When Buying or Selling a Home?

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A landlord in Garland, Texas, called me on a Tuesday morning. He’d run a rental duplex for two decades. Then his mother moved into assisted living, and he needed to simplify his life quickly. The detached garage was packed with old tools and riding mowers, one more chore he had no bandwidth for. Add a … Continued
Home Loans for Self-Employed Borrowers in Plano

Self-Employed Home Loan and How to Qualify for Your Dream House

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Self-employed people commonly assume the mortgage process is stacked against them. They’ve been told their tax write-offs are a problem, that their income “doesn’t count,” and that banks just won’t do it. Some sit on the sidelines for years, renting, while their neighbors buy. That’s a real cost, and it rests on a misunderstanding of … Continued
Steps to Build Credit for Homebuyers Plano

How to Build Credit So You Can Buy a House

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Most people spend years dreaming about homeownership and only a few months actually working on the one thing that controls almost everything about their mortgage: their credit score. Our team at Cima Real Estate has seen that one number decides your rate, your loan options, and whether you get a real shot at the house … Continued
Contract for Deed Made Simple Plano

What Is a Contract for Deed in Real Estate and How Does It Work

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Signing over your home without a bank in the room sounds appealing until you read the fine print. A contract for deed has quietly trapped buyers and sellers alike in arrangements that looked simple on the surface and turned complicated fast. If you’re thinking about using one, or if someone’s pitching you one as an … Continued
How Much Are Closing Costs For A Buyer Plano

How Much Do Buyers Pay In Closing Costs When Purchasing A Home

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Sarah Martinez thought she had everything figured out. She’d spent two years saving up twenty thousand dollars for a down payment on her first home in Plano. Skipping vacations, cutting back on eating out, and picking up extra shifts. Then her real estate agent sat her down and explained closing costs. On her $280,000 house, … Continued
How Long Does It Take To Buy A House Plano

How Long Does It Take To Buy A House In Today’s Market

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How long does it take to buy a house? That is the first question I get from people who need to sell quickly and move on. They’ve heard horror stories. They’ve also heard about people who found something in a week. Neither story is the whole picture. The full process, from your first mortgage conversation … Continued
ITIN Loan Programs in Plano

ITIN Mortgage Loans

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If you’re looking for an ITIN mortgage loan possibilities in Texas, you should know that you don’t need a social security number to buy a property, and there are more options than many people realize. While there are millions of ITIN tax registrants across the country, there were only approximately 5,000 to 6,000 ITIN loans in … Continued
How to Buy a Home When You Have Low Income in Texas

How to Buy a House With Low Income in Texas

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Most people think they can’t buy a home in Texas without perfect credit or a big down payment, but that’s not true. At the close of 2025, the median home price in Texas was about $330,000. However, many buyers qualify for assistance programs for low to moderate-income households. Families earning 80% or less of their … Continued
Is Owner Financing Legal Texas

Owner Financing in Texas: Legal Requirements, Benefits, and Risks

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Owner financing is a one-of-a-kind approach to buying property in Texas that doesn’t require going through a bank and lets the buyer and seller deal with each other directly. A lot of people appreciate this other way to receive money because it doesn’t have as high credit standards, and the terms can be adjusted. But … Continued

How to Buy a House Without Tax Returns

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No Tax Returns? Here’s How You Can Still Buy a House Tax returns are overrated. Sure, most mortgage lenders act like they’re some sacred document that proves your worth as a human being. But plenty of successful people buy houses yearly without showing their tax paperwork. The mortgage industry wants you to think there’s only … Continued