Buying a Home in Plano & Frisco
Buying in North Texas Takes Preparation.
I'll Make Sure You Have It.
The right home at the right price — with someone steady in your corner through every step of the contract.
Whether you're moving from out of state, upsizing, or buying your first home in the DFW area, the process here has real nuance. Inventory moves fast at certain price points. Multiple offer situations are common. And the difference between a good outcome and a frustrating one is almost always preparation — knowing the market, understanding the process, and having a clear strategy before you start touring homes.
That's what this page is for. Take your time with it. When you're ready to talk, I'm easy to reach.
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How It Works
A Clear Plan from Pre-Approval to Keys
Buying a home doesn't have to feel like a sprint. What makes the difference is knowing what's coming — and having a strategy at each stage so you're never caught off guard when the market moves.
Before we tour a single home, you need a pre-approval letter in hand — not a pre-qualification, an actual approval. In a competitive market, sellers won't take your offer seriously without it. I can connect you with lenders I trust if you don't have a relationship already.
Items typically needed: 2 years of tax returns, recent W2s, paystubs, and bank statements.
We'll talk through your priorities — neighborhoods, schools, commute, price range, must-haves — and build a search that's actually calibrated to the market. I'll set up a live listing feed and alert you to new properties the day they hit. I also watch for off-market opportunities when they exist.
I'll walk you through homes with a clear eye on condition, value, and how each property compares to what's active at that price point. My job isn't to tell you what you want to hear — it's to help you see homes clearly so you don't pay too much or miss something important.
When we find the right home, I'll prepare a Comparative Market Analysis and advise on offer strategy based on current competition, days on market, and seller motivation. Price matters — but so do terms. Option period, earnest money, closing timeline, and contingencies can make or break a negotiation.
Once we're under contract, there's still meaningful work to do: inspection, repair negotiations, appraisal, mortgage underwriting, final walk-through, and closing. I'll walk you through each step, keep you informed, and handle the coordination so nothing falls through the cracks.
From accepted offer to keys, most closings take 30–40 days for financed buyers.
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Financial Clarity
What Does It Actually Cost to Buy a Home?
Most buyers are surprised to learn there are costs beyond the down payment. Here's an honest breakdown of what to expect — so you can walk into the process with eyes open, not get surprised at closing.
Rule of thumb: Budget for 2–3% of the purchase price in total out-of-pocket costs beyond your down payment. On a $600,000 home, that's roughly $12,000–$18,000 in addition to whatever you're putting down.
At Contract
- Earnest Money 1–2% of purchase price
- Option Fee $500–$1,000+
- Home Inspection $500–$700
- Specialty Inspections Varies
At Closing
- Loan Origination Fees 0–1%
- Appraisal ~$500
- Escrow / Title Fees ~$550
- Survey ~$400
- Homeowners Insurance $1,500–$3,000 / yr
- Prepaid Interest $200–$500
- Tax & Insurance Escrow 1 quarter each
Earnest money is applied to your down payment at closing and is typically refundable if a contingency isn't met during the option period. The option fee is paid directly to the seller and is non-refundable — it buys you the right to back out for any reason during the option period.
Competitive Markets
How I Win in Multiple Offer Situations
In Plano, Frisco, and the surrounding suburbs, well-priced homes regularly attract multiple offers — especially in the $400K–$750K range. The buyers who win aren't always the ones offering the most money. They're the ones who are best prepared.
Here's how I position my clients to compete effectively.
Pre-approval from a recognized lender
Sellers and listing agents know which lenders can actually close on time. A strong pre-approval from a trusted lender carries real weight.
Price it to win — strategically
Going above list isn't always necessary, but when it is, I'll tell you how much and why — based on what comparable homes have actually closed for, not optimism.
Tight option period and lean contingencies
A shorter option period and clean terms signal a serious buyer. I'll advise on what to keep and what to let go based on the specific situation.
Seller-friendly terms
Flexibility on closing date, offering to cover certain seller costs, or accommodating a leaseback can tip a close decision in your favor when price is equal.
Appraisal gap coverage when warranted
In strong seller markets, agreeing to cover a gap between appraised value and purchase price can remove a major seller objection — but only when the home's condition and comps justify it.
Speed and responsiveness
When the right home comes along, hesitation is expensive. I keep my clients ready to move the same day a home hits the market if the situation calls for it.
Everyone we spoke with was incredibly friendly and helpful. We found our home very quickly — they knew exactly what we were looking for and found options that served our preferences masterfully. We really felt like we were of utmost importance to them.
— Josh H., Haistings Real Estate Group Buyer
Before You Start Your Search
Know the Market You're Buying Into
I write about the Plano market and North Texas lifestyle regularly — real data, real neighborhoods, real opinions. These pieces are worth reading before you start your search. They'll change the questions you ask and sharpen your instincts when you're in the field.
Market Analysis · 2025
What Does $750,000 Buy You in Plano, TX?
A ZIP-code-level breakdown of what your budget actually gets you across 15 Plano communities — pool homes in West Plano, remodeled interiors in Central Plano, and everything in between.
Read the analysisRelocation Guide · 2024
Dallas Top 5 Suburbs: A Local Agent's Rankings
After 10+ years working in this market, I ranked Frisco, Plano, Southlake, Coppell, and Allen — with median prices, school ratings, and honest pros and cons for each.
Read the rankingsRelocation · 2023
5 Things You Need to Know Before Moving to Texas
The real story on North Texas living — property taxes, housing costs, summer heat, and what actually surprises people once they're here. From a broker who helps families relocate every year.
Read the guideNeighborhood · Fall 2025
Matt's West Plano Favorites
I've lived in West Plano for years. These are the restaurants I eat at often, the trails I walk almost daily, and the spots that make living here feel a little better — places that don't show up on "Best Of" lists.
Read the guide10-Episode Series
The Home Buyers Video Guide
I recorded a full series walking through every stage of the buying process — from choosing a lender to what actually happens on closing day. Each episode is 5–10 minutes. Watch them in order or jump to what you need.
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The Advisor
Why Work With Matt
Market Fluency, Not Market Opinions
My analysis is built on 10+ years of NTREIS MLS data across Plano, Frisco, Allen, and Carrollton. When I tell you a home is priced well — or isn't — I can show you exactly why. The data I publish on this site is the same foundation I use in every client conversation.
An Advisory Relationship, Not a Transaction
I'll tell you when a home has a problem worth walking away from. I'll tell you when you're about to overpay. And I'll tell you when the right answer is to wait. That's not always what buyers want to hear — but it's what leads to the outcome you'll be happy with three years from now.
Steady Through the Contract
The purchase contract is where deals fall apart — inspection negotiations, appraisal gaps, lender delays, title issues. I handle a high volume of transactions in this market and have worked through most of what can go wrong. Calm problem-solving when things get complicated is part of what you're hiring.
Primary Markets: Plano & Frisco
I do the majority of my buyer work in Plano and Frisco, with secondary coverage in Allen, Carrollton, and Dallas proper. Deep market familiarity in a focused geography is worth more than broad but shallow coverage across the entire DFW metro.
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Natalia was an incredible source of information and willing to go above and beyond to answer any questions we had. Their team was there day and night, fully communicating and sending daily updated lists of possible homes curated to our needs. We found the perfect home and couldn't recommend them enough.
— Laura R., Haistings Real Estate Group Buyer
Looking at Homes That Need a Little Work?
The Compass Concierge program can cover the upfront cost of pre-purchase improvements — cosmetic updates, paint, flooring, minor repairs — so a home you love can compete with move-in ready options. Costs are repaid at closing from your own funds, with no interest.
Common Questions
Frequently Asked Questions
In Texas, buyer's agent compensation is negotiable and is now disclosed separately from the listing agreement. In most transactions, the seller offers to pay the buyer's agent commission as part of the overall transaction. We'll have a direct conversation about compensation at the beginning of our relationship — before you sign anything — so you understand the terms clearly. In many cases, your representation costs you nothing out of pocket.
Yes — and I mean a real pre-approval, not a pre-qualification estimate. In the Plano and Frisco markets, listing agents routinely call to verify a buyer's financing before advising their seller on an offer. A weak or missing pre-approval is often enough to put you at a disadvantage before negotiations even start. It also protects you from falling in love with a home you can't actually buy.
The option period is a negotiated window — typically 5–10 days — during which you have the unrestricted right to terminate the contract for any reason. It's activated by paying an option fee directly to the seller (typically $500–$1,000), which is non-refundable but usually credited toward your closing costs. During this period, you'll complete your home inspection and negotiate any repairs or credits. If you terminate within the option period, your earnest money is returned. After it expires, termination is more complicated and you may forfeit your earnest money.
It varies significantly depending on how specific your criteria are and how active the market is when you start. Most buyers I work with go under contract within 4–10 weeks of beginning their active search. From accepted offer to closing, a financed purchase typically takes 30–40 days. Total timeline from first conversation to keys: plan for 60–90 days minimum, though some buyers move faster and some take longer.
A Buyer Representation Agreement is a contract that formally establishes our working relationship. It defines the scope of services I'll provide, the geographic area and property type we're working with, the duration of our agreement, and how I'll be compensated. Texas law now requires this agreement to be signed before I can show you properties. I'll walk you through it in detail before I ask you to sign anything — no surprises.
This is one of the most situation-specific questions in real estate — the right answer depends on your financial position, risk tolerance, the current market conditions for both buying and selling, and how competitive your price range is. Selling first gives you certainty on proceeds but adds pressure to your buying timeline. Buying first is cleaner but requires carrying two properties temporarily. There are bridge solutions as well. I'll work through the options with you based on your specific circumstances — this isn't something to decide from a blog post.
When a home appraises below the contract price, both parties have options: the seller can reduce the price, the buyer can cover the gap in cash, or the two can negotiate a middle ground. In competitive offer situations, some buyers agree in advance to cover a certain appraisal gap — we'll discuss whether that makes sense based on the specific home and market conditions before you're in that situation.
Ready to Take the Next Step?
Where Would You Like to Start?
You don't have to have everything figured out. Most of my best client conversations start with "I'm thinking about buying sometime in the next year — where do I even begin?"
Schedule a Buyer Consultation
A 20–30 minute conversation to talk through your timeline, budget, and priorities — and give you an honest read on what the market looks like for your search. No pressure, no commitment.
Schedule a consultWatch the Video Series
10 short episodes walking through every stage of the process — from hiring an agent to closing day. Watch them in order or jump to what's relevant to where you are right now.
Watch the seriesStay Current on the Market
If you're still in research mode, follow along with the weekly and monthly market updates I publish for Plano and surrounding areas. When the data shifts, you'll know.
Follow the marketWhether you're six weeks or two years from a move, you're welcome to reach out just to think it through.