Unlike most real estate agencies, we don’t need to threaten our buyers to remain loyal to us. That’s why we don’t ask you to sign a lengthy, restrictive, long-term Buyer’s Representation Agreement. In fact, our agreement reads more like a disclosure. Our clients stay with us because we are great at our job! We know construction and can spot defects in a property before you waste money on a home inspection. We are expert negotiators and provide an unmatched level of service. Threatening to sue a buyer if they don’t use us to buy a house is not the way we do business. If you don’t like us, you can walk away without obligation or fear of retribution. If we don’t like you, we’ll cut you loose rather than neglect you and hope you go away on your own. HelpUBuy America is all about honesty, integrity, and competence.

Working with us means you get your very own dedicated agent, not a member of an inefficient, error-prone real estate team. Your file won’t be passed on to an admin or long distance transaction coordinator who is neither licensed nor knowledgeable about Texas real estate. Instead, your EBA will be your point of contact from start to finish. No admins. No undertrained agents. No opportunity for things to fall through the cracks.

It’s common for sellers, builders, home warranty companies, and others to offer buyer’s agents enormous bonuses as an added incentive to sell their property or to sign up for their service. That’s good for the agent but horrible for the buyer. HelpUBuy America agents don’t accept bonuses or sales incentives, not even a coffee mug. We work for no more & no less than 3% of the sales price (full service) or our stated flat-fee. All sales incentives are passed along to our clients. You will never have to worry about us steering you into a home for our financial gain.

We don’t go away after closing. We’ll be here to help you protest your taxes, file your homestead, eliminate mortgage insurance, refinance, and repair/update your home. And when it’s time to sell, we’ll be here to help. While we don’t represent sellers in the traditional sense, we’ll be happy to refer you to a great listing agent. We’re here for you. Forever.

With 28 years of homebuying experience, we know how to write approval letters that help you outshine other buyers in a competitive market. A good listing agent will scrutinize a buyer’s qualifications before taking a home off the market (as they should!).

We won’t issue a pre-approval letter until we are confident your loan will close. We must check your credit, verify your down payment funds and assets, review your employment history and income, and obtain automated and/or manual underwriting approval before we will issue a certified letter. Once issued, we’ll sell your qualifications to listing agents who may call to verify your loan status so their seller/clients have more confidence in you as a qualified buyer. And, best of all, you’ll have peace of mind knowing your purchase is far less likely to fall apart at the last minute!

Want to get the ball rolling without dining your credit? We can do that! Once you complete your application, we can do a free “soft” credit check to see where you stand. Doing so will enable us to tell you how much home you can afford and how to improve your qualifications (if necessary) to qualify for the lowest possible wholesale rate. Then, when the time is right, we’ll move forward with the tri-pull credit report, which all lenders require to process your loan.

We’re on it from the time you submit your loan application through funding. No massive call centers with unskilled customer reps who know very little about your loan or transaction. Just us and a licensed, dedicated loan processor, monitoring every step and watching every penny.