A Personalized Approach to Homeownership
your real estate partner
Whether you're a first-time homebuyer or a seasoned investor, you deserve a dedicated realtor to meet your real estate goals and help you every step of the way during the transaction.
buying in Austin
As your personal real estate agent, I’m here to help you check off every, if not close to, everything on your dream home buying wishlist.
Selling in Austin
I'll help you prepare your home to show at its best to ensure you receive the highest and best offer.
I'm Taylor Rose, a real estate agent here to help you plant roots in your dream home. For me, a home is more than just a house; it’s personal and a place where core memories are made. I'm committed to building long-lasting relationships with my clients and am passionate about helping you find your perfect property, whether you're buying or selling.
your partner in home ownership
meet taylor
evaluating
Curious what your home is worth? Search below to get a (FREE) home evaluation!
my process
Homeownership, Simplified
Your journey to homeownership starts here! Whether you're buying your first home or selling your current one, I'll provide the support you need to navigate the market and find your dream home.
closing
market saturation
negotiation
Woohoo! You did it! Time to celebrate this exciting new chapter.
Whether buying or selling a home, we'll kick things off with a conversation to learn more about you and what you’re looking for.
Whether holding open houses or attending broker's open houses, let's network and get your property noticed!
I’ll look for properties that match your preferences and budget while leveraging social media and online platforms to showcase your home.
I’ll ensure you get the most qualified offer.
Kind Words
“Taylor Rose was an absolute blessing to work with. From the very beginning, she made me feel supported and heard during a deeply personal home search for a loved one. She drove over 2 hours multiple times to meet me, always showed up with care and professionalism, and responded quickly to every question I had (and I had a lot)! Her kindness, patience, and dedication made all the difference. I couldn’t have asked for a better agent to guide me through the process.”
-Amber R.
real people, real results
“Alex gets sh*t done. When my company decided at the last minute to host a Christmas party for 100+ people, I immediately thought of Alex Howland. Alex is a true professional who knows exactly what she’s doing. If you’re hosting an event and really want to ‘wow’ your guests, Alex is the woman you need in your corner.”
– Marketing Director, Sage Partners
real people, real results
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“Alex gets sh*t done. When my company decided at the last minute to host a Christmas party for 100+ people, I immediately thought of Alex Howland. Alex is a true professional who knows exactly what she’s doing. If you’re hosting an event and really want to ‘wow’ your guests, Alex is the woman you need in your corner.”
– Marketing Director, Sage Partners
real people, real results
03
Closing Process
financing & credit
Buying & Selling
Basic Process
A pre-approval letter is an official document from a lender stating how much you’re approved to borrow based on your credit score, income, and debt. Think of it as your golden ticket, showing sellers you’re serious and financially prepared to take the next step!
Why is it important?
Helps You Plant Strong Roots – Knowing your budget lets you confidently search for the perfect home.
Makes Your Offer Stand Out – In a competitive market, sellers prioritize pre-approved buyers.
Speeds Up the Process – Since your finances are already reviewed, closing on your dream home happens faster.
Before we start house hunting, let’s get you pre-approved—so your homeownership journey can blossom beautifully, and you can plant roots in a home meant just for you!
What is a pre-approval letter and why is it important?
From offer to closing, the full process typically takes 30 to 60 days, but just like a flower in bloom, timing can vary!
Here’s a quick breakdown:
• House Hunting: A few weeks to a few months (depending on your dream-home wishlist!)
• Offer & Negotiation: 1-2 days (or longer in a competitive market)
• Inspection & Appraisal: 1-2 weeks
• Loan Processing & Underwriting: 3-4 weeks
• Closing Day: Once everything is approved, it's time to grab the keys and celebrate!
How long does it typically take to purchase a house?
Buyer’s Market: Think of it like a flower shop in full bloom—there are plenty of gorgeous options, prices are sweet, and sellers are more open to negotiation. You get time to pick the perfect home without feeling rushed!
Seller’s Market: Now, picture a rare rose in high demand—everyone wants it, and buyers are willing to pay top dollar to take it home. Homes sell fast, often above asking, and sellers hold the bouquet (I mean, the power!).
What is the difference between a buyer's market and a seller's market?
The first step in the home-buying journey is getting pre-approved—think of it as planting the seed for your dream home! A pre-approval letter from a lender shows sellers you're serious, helps you understand your budget, and gives you a head start in this competitive market.
What is the first step in the home buying process?
Closing Process
financing & credit
Buying & Selling
Basic Process
Your perfect down payment depends on your goals, budget, and loan type. No matter where you’re starting, we’ll help you find the best path to homeownership and watch your dream bloom!
Typical Down Payment Amounts:
• 0% – VA & USDA loans (for eligible buyers)
• 3-5% – Conventional loans (with good credit)
• 3.5% – FHA loans (great for first-time buyers)
• 10-20%+ – Higher down payments can lower your monthly mortgage and eliminate private mortgage insurance (PMI).
A smooth home-buying journey starts with a solid credit score!
Credit Score Guidelines:
• 580+ – FHA loans (great for first-time buyers!)
• 620+ – Conventional loans (better rates & terms)
• 640-680+ – USDA & VA loans (zero-down options)
• 700+ – Best rates for conventional & jumbo loans
Why Does It Matter?
• Higher Score = Lower Interest Rates
• More Loan Options & Better Terms
• Easier Loan Approval
Even if your score isn’t perfect, don’t worry! With the right plan, you can still plant the seeds for homeownership and watch your dream bloom!
What credit score do I need to qualify for a mortgage?
We know that a solid financial foundation helps your homeownership dreams bloom! One key factor lenders consider is your debt-to-income ratio (DTI).
What is DTI?
Your DTI ratio measures how much of your monthly income goes toward paying debts. It’s calculated as: (Total Monthly Debt Payments ÷ Gross Monthly Income) × 100 = DTI %
Why Does It Matter?
• Lower DTI = Better Loan Approval Odds – Lenders prefer a DTI of 43% or less, though some loan programs allow higher.
• Affects Loan Amount & Interest Rates – A lower DTI can help you qualify for better loan terms and lower monthly payments.
• Stronger Financial Stability – Keeping debt manageable ensures you can comfortably afford your dream home.
Not sure where you stand? Let’s review your numbers and find the best path to homeownership!
What is a debt-to-income ratio and how does it affect my loan approval?
How much of a down payment is typically required?
Closing Process
financing & credit
Buying & Selling
Basic Process
Title insurance protects your investment from hidden surprises!
Why Is It Necessary?
• Protects Ownership – Ensures no one else has a claim on your home.
• Covers Past Issues – Shields you from hidden liens, errors, or fraud.
• One-Time Payment – A small upfront cost for long-term peace of mind.
Think of it as a safety net for your home’s history—so you can plant roots worry-free!
Closing day is where everything comes together, and you’re just moments away from getting the keys!
Here’s What to Expect:
• Final Paperwork – You’ll review and sign loan documents, the deed, and closing disclosures.
• Payment Time – Closing costs and down payment are paid (usually via wire transfer or cashier’s check).
• Final Verifications – The lender ensures all details are in place before funding the loan.
• Key Time! – Once everything is signed and funds are processed, the home is officially yours!
I’ll be right by your side to make sure everything goes smoothly—your dream home is just a signature away!
What happens at the closing table?
A home inspection is your chance to dig deeper before making your home official!
Why It Matters:
• Uncovers Hidden Issues – Reveals structural, electrical, or plumbing problems.
• Saves You Money – Allows you to negotiate repairs or pricing before closing.
• Peace of Mind – Ensures you're making a smart, informed investment.
A thorough inspection helps your home-buying journey bloom with confidence!
What is a home inspection and why is it important?
What is title insurance and why is it necessary?
Closing costs are the final step before getting the keys! These are fees paid at closing to complete the home purchase.
What’s Included?
• Lender Fees – Loan origination, appraisal, and credit report
• Title & Escrow Fees – Title search, insurance, and escrow services
• Prepaid Costs – Property taxes, homeowners insurance, and interest
• Other Fees – Home inspection, HOA dues (if applicable), and recording fees
Typically 2-5% of the home’s price—but I’ll help you navigate ways to reduce or negotiate them! Let’s get you to the finish line!
What are closing costs and what do they include?
frequently asked questions
I’m here to guide you through the process. Contact me today to discuss your real estate goals and help your homeownership dreams blossom.
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