Buy a home

An advocate whose whole job is saving you money.

Finding the right home in the right neighborhood is the easy part. The real value is what happens next: negotiating the hardest, catching what costs you later, and knowing the tips, tricks, and quiet levers most buyers never see. I've worked every side of these deals, and I put all of it to work protecting your money and getting you the best possible terms.

Send Pete a home Ask Pete a question First-time buyer? Start here

The easiest first step

Considering a home? Send Pete the address.

Found something on Zillow or driving around a neighborhood? Send me the address or listing link and I'll give you an honest first look: what's great, what's a compromise, and what it's realistically worth. No pressure, no obligation.

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What happens after you send it

Low effort, zero pressure

You send it

Text, email, or DM me an address or listing link. That's the whole ask, no forms, no sign-up, no commitment.

I give you a straight read

What's great, what's a compromise, what it's realistically worth, and what I'd want to check before you fall for it.

You decide what's next

Tour it, pass on it, or keep looking. The first look is just me being useful, no obligation to work with me at all.

Why buyers work with me

Everything here is about protecting your money

This market rewards three things: knowing each neighborhood at street level, negotiating from real data, and moving decisively when the right home shows up. That's the whole approach.

I negotiate the hardest

Offer strategy, terms, repairs, and credits, pushed by someone who knows how the other side thinks and where the real leverage is. In a shifting market, negotiation is where deals are won, and where you save the most.

Hyperlocal, block by block

Every pocket of Central Texas has its own heartbeat. Central and South Austin, Kyle, Buda, San Marcos, I know each one's character, price patterns, and momentum, because I live it every day.

Data & technology on your side

Live market data, absorption trends, and pricing analytics behind every offer, so we know what a home is really worth this week, not what it was worth last spring.

Honest evaluation

For any home you're considering, I'll tell you what's great, what's a compromise, and what it's realistically worth, before you fall for it or overpay.

The tips, tricks & secrets

The quiet levers most buyers never see, from builder incentives and lender credits to contract terms that shift real money in your favor.

Inspection strategy

Knowing what's normal, what's a red flag, and what's worth pushing on so you don't pay for someone else's deferred maintenance.

First-time buyers

No twenty percent down required, and no guessing what it actually costs.

Most first-time buyers are working from myths, not math. With a credit score of 580 or higher, FHA loans allow as little as 3.5% down, and grant programs can stack on top of that. Tap any card below for the real programs and numbers.

Down payment assistance

Programs most first-time buyers never hear about, and whether you qualify. Tap to see real programs and numbers.

TDHCA My First Texas Home: up to 5% of your loan as a 0%-interest second loan, repaid only when you sell, refinance, or pay off the home. Minimum 620 credit score.
TSAHC Home Sweet Texas: 3 to 5% as a straight grant that is never repaid, or a 0% deferred loan, open to any qualifying buyer. Minimum 620 credit score.
TSAHC Homes for Texas Heroes: the same 3 to 5% grant or loan, reserved for teachers, firefighters, police, EMS, corrections officers, and veterans. Minimum 620 credit score.
City of Austin DPA: up to $40,000 toward your down payment and closing costs, a 0% loan fully forgiven after 10 years in the home. Income limits apply.
Hays and Williamson county programs: similar assistance for Kyle, Buda, San Marcos, Round Rock, Georgetown, Cedar Park, and Leander buyers.

These can often stack with each other and with your loan type. I'll tell you honestly which ones you actually qualify for.

Your true monthly cost

Principal, taxes, insurance, HOA, and upkeep. Tap to see everything that goes into the real number.

Principal and interest based on your actual rate quote, not a rounded estimate.
Property taxes for the specific county and school district, which swing payments more than people expect in Central Texas.
Homeowners insurance, plus flood insurance if the property needs it.
HOA dues if the neighborhood has them.
Mortgage insurance (PMI or FHA’s MIP) if you are putting down less than 20%, and what it takes to eventually drop it.

I build this number for the specific address you are considering, not a generic calculator estimate.

Veteran and service member programs

VA loans and other benefits, explained simply if they apply to you. Tap for the details.

VA loans: $0 down for eligible veterans, active duty service members, and some surviving spouses, with no monthly mortgage insurance.
Funding fee can usually be rolled into the loan, and is waived entirely for veterans with a service-connected disability.
Stack with TSAHC Homes for Texas Heroes for down payment or closing cost help on top of the VA loan itself.

If you have served, this is usually the strongest path available. I'll walk you through eligibility.

Start here, two minutes

Resale and new build

You deserve to compare every real option.

A lot of buyers only look at one path. I help you weigh resale against new construction with clear eyes, because the right answer depends on your timeline, budget, and how much you value move-in-ready versus brand-new.

If new construction is on the table, my builder-side experience is a real edge. If resale is smarter for you, I'll tell you that too.

See how I help new-build buyers

Buyer representation, start to finishyour interests, not the seller's
Straight talk on valueno talking you into a home
Inspection & repair strategyknow what's worth pushing on
Financing guidanceunderstand the real tradeoffs
Local knowledgeAustin, Kyle, Buda, San Marcos & beyond

Free buyer's guide

The Central Texas Buyer's Playbook

How to buy well, negotiate hard, and keep your money, the honest, no-pitch version of how I get buyers a better deal. Yours free.

Download the Buyer's Playbook (PDF)

Buying your first home? Grab the First-Time Buyer Guide · See all guides & education

Pete Seider · Central Texas real estate advisor

Considering a home, or just getting started? Send me the address or ask me anything, no pressure, ever.

Call or text (512) 363-3049 Message Pete

Ready to start your search?

Send me a home to look at, or let's talk about what you want and map out a plan that fits your timeline and budget.

Send Pete a home Call or text Pete