Greater Houston Home Buyers
Thinking About Buying a Home in the Next 90 Days to 12 Months?
Get clarity on today's rates, find out what down payment and closing cost help you may qualify for, and walk away with a real plan — not just a wish list.
- ~20 years serving Greater Houston
- Harris · Fort Bend · Montgomery · Brazoria
- Keller Williams Realty Professionals
- TREC #0554238
Today's mortgage market
See the latest national rate index, refreshed each business day by Mortgage News Daily, then learn what your own credit, loan type and down payment could mean for your options.
View Today's Daily RatesEducational national index only. Not a personalized quote, loan offer or rate lock.
Why Timing Matters
The buyers who win in Houston start early
You don't have to be ready to buy today. You just have to know where you stand.
Know your real numbers
Guessing at a monthly payment keeps people renting for years. Once you see what your rate, payment and price range actually look like, the decision gets a lot simpler.
Find down payment money
Texas has dozens of down payment and closing cost assistance programs. Most buyers never hear about them because nobody ever checked on their behalf.
Build a timeline, not a wish list
Whether you're 90 days or 12 months out, there's a short list of things to do in order. A plan turns 'someday' into a move-in date.
Rate Education
Today's national mortgage rate index
Refreshed each business day by Mortgage News Daily. Use these national averages as a starting point, then speak with a lender for a personalized quote.
Daily rate data provided by Mortgage News Daily.
Important disclosure
Current national rate-index data is supplied and refreshed by Mortgage News Daily. It is for education only and is not a personalized quote, loan offer, advertisement for a loan program, or rate lock. Walter Davis is a licensed Texas real estate broker associate — not a mortgage lender — and can connect you with trusted lender partners for a personalized quote.
60 seconds, 6 questions, no credit check.
Your Credit Journey
Your score is a starting point, not the end of the story
You do not have to wait for perfect credit to begin planning. Our credit program helps buyers understand their scores, take focused steps, and prepare for stronger financing options.
Start My Plan TodayStep 1
Start where you are
We work with buyers starting at a 500 FICO score and help you understand what is shaping your current credit profile.
Step 2
Get one-on-one support
A dedicated staff member works with you on a practical, personalized credit plan instead of leaving you to figure it out alone.
Step 3
Build toward better options
Improving your score may help you pursue a better interest rate and stronger purchase terms when you are ready to buy.
Credit improvement timelines and results vary. Participation does not guarantee a score increase, loan approval, interest rate, or purchase terms.
Down Payment Assistance
There's real grant money in Texas — most buyers never hear about it
Texas has dozens of legitimate down payment and closing cost assistance programs run by the state, counties, cities and nonprofits. They're not advertised, they have different rules, and funding comes and goes. Knowing which ones you may fit is half the battle.
Silver Match
$1,500–$2,500
Typical of entry-level local and regional first-time buyer credit programs.
Gold Match
$2,500–$5,000
Typical of county and city-level down payment assistance in the Houston area.
Platinum Match
$10,000+
Reflects larger Texas state-level programs, which may offer substantial assistance depending on the buyer, loan, property and available funding.
Important disclosure
Down payment assistance programs such as TSAHC Home Sweet Texas, TDHCA My First Texas Home, the Harris County Down Payment Assistance Program (DAP) and the City of Houston Homebuyer Assistance Program (HAP) are administered independently by state, county, city and nonprofit housing agencies — not by Walter Davis or Keller Williams. Eligibility, award amounts and funding availability are determined solely by each program and its participating lenders. The tiers shown here are illustrative estimates, not a guarantee of any specific dollar amount.
Free Home Buyer Seminar
Why attend one of Walter's buyer seminars?
One relaxed session can save you months of guessing. It's free, there's no obligation, and you'll leave with a real plan for your first — or next — home.
Saturday, October 24, 2026 · Seats are limited
Grant money, explained plainly
Learn which down payment and closing cost programs are available in the Houston area and what it takes to qualify.
Credit and rates, demystified
Understand what shapes your credit score, how it affects your interest rate, and what you can do about it.
A step-by-step buying roadmap
Walk out knowing exactly what happens from pre-approval to keys in hand — no surprises along the way.
Ask Walter anything, live
Bring your questions and get straight answers from a broker associate with about 20 years in Greater Houston.
Your Personalized Plan
Tell us your goals, get your next steps
Describe what you want in a home and where you are today. You'll get a personalized readiness plan in seconds — free, with no credit check.
60-Second Quiz
Find your down payment match
Six quick questions. No credit check, no obligation.
Would you like to know more about buying a home?
Why Buyers Work With Walter
A broker associate who actually walks you through it
~20 years in Greater Houston real estate
Two decades of contracts, inspections, appraisals and closings across Harris, Fort Bend, Montgomery and Brazoria Counties.
Built for first-time buyers
Most of Walter's work is with first-time buyers and sellers — so the process gets explained in plain English, step by step.
It's personal
Walter is motivated by family and by helping people become homeowners. That's the whole reason this work matters to him.
Questions
Frequently asked
Let's find out what you qualify for
Sixty seconds now could mean thousands toward your down payment and a clear path to your front door.