Amanda Kay Santa Blog

Whether you’re looking to learn the best practices for staging your house to sell or the trendiest places for brunch in your town, the Realty Texas blog has something for everyone! We regularly bring our readers valuable content they can use in every aspect of their life.

What Is the VantageScore and Could It Help You Qualify for a Home Loan?

Thinking about buying a home but worried about your credit score? The evolving mortgage scene now includes the VantageScore, which could unlock opportunities for more buyers. Discover how this newer credit model could impact your...

VantageScore credit scoring models mortgage lending home buying credit history FICO score rental payments utility payments financial responsibility first-time homebuyers credit improvement credit evaluation mortgage applications Fannie Mae Freddie Mac loan qualification scoring model differences lenders adoption credit requirements rent payment impact homeownership accessibility
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By Amanda Kay Santa

04-28-2026 08:57:27 CST

What Credit Score Do You Actually Need to Buy a Home?

One of the biggest myths about buying a home is that you need perfect credit.

home buying credit score mortgage real estate conventional loans FHA loans VA loans USDA loans lender requirements improve credit score mortgage interest rates credit report monitoring down payment real estate advice Realty Texas
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By Amanda Kay Santa

03-10-2026 09:46:34 CST

Do You Really Need 20% Down to Buy a House?

Debunking the 20% Down Payment Myth: Exploring Mortgage Options for Aspiring Homeowners

home buying mortgage options down payment 20% myth private mortgage insurance FHA loans VA loans USDA loans conventional loans real estate advice home financing Austin real estate real estate agent home purchase planning mortgage insurance
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By Amanda Kay Santa

03-08-2026 08:23:33 CST

How much house can I actually afford?

One of the first questions buyers ask is, “How much house can I afford?” This guide explains how income, debt, interest rates, and hidden costs shape your homebuying budget.

home buying house affordability first-time homebuyers mortgage eligibility 28/36 rule debt-to-income ratio credit score impact down payment interest rates property taxes homeowners insurance HOA fees closing costs pre-approval importance real estate tips budget management real estate professional financial planning homeownership costs
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By Amanda Kay Santa

03-06-2026 07:49:57 CST

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