Buyer Orientation
Your complete guide to buying a home in El Paso.
From pre-approval to closing day — everything you need to know as a first-time or experienced buyer in the El Paso market.
Step-by-Step
The 7-Step Buyer Timeline
Get Pre-Approved
1-3 daysBefore you start house-hunting, get a pre-approval letter from a lender. This tells sellers you're a serious, qualified buyer.
- Check your credit score and resolve any issues
- Gather pay stubs, W-2s, bank statements, and tax returns
- Compare rates from at least 2–3 lenders
- Understand your debt-to-income ratio
- Lock in your rate when you're ready
El Paso Tip
Fort Bliss PCS buyers: Start your pre-approval 60 days before receiving orders. VA loans are widely accepted in El Paso and often close faster than conventional.
Choose Your Buyer's Agent
1 dayA buyer's agent represents your interests throughout the transaction, negotiates on your behalf, and guides you through every step.
- Interview agents and ask about their experience in El Paso
- Sign a Buyer Representation Agreement (TREC form)
- Discuss communication preferences and availability
Search for Homes
2-8 weeksWork with your agent to identify properties that meet your needs, budget, and preferred neighborhoods.
Make an Offer
1-2 daysWhen you find the right home, your agent will prepare a competitive offer based on comparable sales and current market conditions.
Option Period & Inspections
7-10 daysOnce under contract, you typically have a 7–10 day option period to conduct inspections and negotiate repairs.
Appraisal & Loan Processing
2-3 weeksYour lender orders an appraisal to confirm the home's value. Meanwhile, the underwriting team processes your loan for final approval.
Title & Closing
1-2 weeksThe title company ensures the property has a clean title, prepares the closing documents, and coordinates the final signing.
Unlock the full guide
Enter your email to access all steps, closing costs, TREC forms, and downloadable resources.
The ProGen Advantage
Ready to find your El Paso home?
Let's talk about your goals, timeline, and budget. We'll create a personalized plan to get you into the right home.