A Complete Guide to Buying a Home in Aubrey, Texas

Aubrey, Texas, is a fast-growing suburb in North Texas, known for its affordable homes, small-town charm, and proximity to major cities like Denton and Frisco. If you're considering buying a home in Aubrey, this guide will take you through the entire process, from budgeting to closing.

Step 1: Determine Your Budget

Before you start house hunting, assess how much you can afford.

Income & Expenses – Follow the 28/36 rule (housing costs ≤ 28% of gross income; total debt ≤ 36%).
Credit Score – A higher score helps you qualify for better mortgage rates.
Down Payment – Typically 3%-20%; FHA loans allow as low as 3.5%.
Closing Costs – Usually 2%-5% of the purchase price.
Property Taxes & HOA Fees – Aubrey’s property tax rate is around 2.2%-2.5%, depending on the neighborhood and school district.

Tip: Get pre-approved for a mortgage to define your budget and strengthen your offers.

Step 2: Choose the Right Neighborhood

Aubrey offers a mix of affordable new developments, master-planned communities, and country-style living.

Sandbrock Ranch – A master-planned community with modern homes, trails, and a community center.
Savannah – A highly sought-after community with resort-style amenities and charming architecture.
Union Park – A fast-growing, family-friendly neighborhood with parks, pools, and top schools.
Cross Oak Ranch – An established community with affordable homes and easy access to shopping.
Downtown Aubrey – Small-town charm with historic homes and local businesses.

Tip: Visit neighborhoods at different times of the day to check for traffic, safety, and overall atmosphere.

Step 3: Find a Real Estate Agent

A local Aubrey agent will help you navigate the market, negotiate effectively, and handle paperwork.

What to Look for in an Agent:

Local expertise – Understands Aubrey’s real estate trends.
Experience with home buyers – Guides you through the process with ease.
Strong negotiator – Helps secure the best price and terms.

Step 4: Start House Hunting

Once you determine your budget and preferred neighborhoods, begin looking for homes.

Use MLS websites (Realtor.com, Zillow, Redfin) to browse listings.
Attend open houses to see different homes and communities.
Consider future resale value – School districts, nearby developments, and amenities affect long-term appreciation.

Tip: Create a checklist of must-haves vs. nice-to-haves to narrow your search.

Step 5: Make an Offer

Once you find the right home, submit an offer with your agent’s guidance.

Key Offer Factors:

Purchase Price – Based on market trends and comparable sales.
Earnest Money Deposit – Typically 1%-2% of the home’s price (shows your commitment).
Contingencies – Protects you with home inspection, financing, and appraisal contingencies.
Closing Timeline – Usually 30-45 days after offer acceptance.

Tip: Aubrey’s market is competitive—consider offering a strong earnest money deposit or a personal letter to the seller.

Step 6: Home Inspection & Appraisal

After your offer is accepted, the home must pass an inspection and appraisal.

Inspection – A professional checks for foundation, roof, plumbing, HVAC, and electrical issues.
Appraisal – Ensures the home’s value aligns with your loan amount.

Tip: If major issues arise, negotiate repairs, seller concessions, or a price reduction.

Step 7: Finalize Your Loan

Once the home passes inspection and appraisal, finalize your mortgage.

Loan Types in Texas:

Conventional Loan – Best for buyers with strong credit.
FHA Loan – Lower down payment option for first-time buyers.
VA Loan – No down payment required for military buyers.
Texas First-Time Buyer Programs – Possible down payment assistance or tax credits.

Step 8: Closing on Your Home

At closing, you will sign the final documents and receive the keys to your new home.

Closing Costs May Include:

Down payment
Loan origination fees
Title insurance
Property taxes (prorated)
Homeowners insurance

Tip: Do a final walk-through before closing to ensure everything is in order.

Step 9: Move In & Settle Into Your New Home

Once you receive the keys, take care of essential tasks:

Aubrey Utility Services:

Electricity: TXU Energy, Reliant Energy, Green Mountain Energy
Water & Sewer: Mustang Special Utility District (varies by neighborhood)
Internet Providers: AT&T Fiber, Spectrum, Frontier

Tip: Update your address with USPS, banks, and subscriptions immediately after moving in.

Why Buy a Home in Aubrey?

Affordable housing – More budget-friendly than nearby cities like Frisco and Denton.
Top-rated schools – Part of Denton ISD, Aubrey ISD, and Prosper ISD, depending on location.
Proximity to major highways – Easy access to US-380, Dallas North Tollway, and I-35 for commuting.
Country charm with city convenience – Enjoy quiet living while being close to shopping, dining, and entertainment.
Fast-growing community – Home values are appreciating due to rapid development.

Final Thoughts

Buying a home in Aubrey offers affordability, great schools, and a peaceful lifestyle while still being close to major job centers. By understanding the process, working with a knowledgeable agent, and planning strategically, you can find the perfect home with confidence.

About us: Aubrey New Construction Expert Real Estate Agent

As a Top Real Estate Professional in Aubrey & Dallas area, I understand the challenges that arise when buying a new construction home. There are over 50 builders in the Dallas area. I work with most of the new home builders in Dallas and understand how various builders operate. I am familiar with the options they offer, current incentives and I frequently visit the upcoming communities they are building. I guide my clients through all steps of the new home construction process and aggressively protect their interests in the transaction.

As a holder of top real estate industry certifications and designations like CRS, ABR & GRI, I can offer my clients experience as a Buyer's Agent in Aubrey and REALTOR®, top Industry Customer Service, in-depth, up-to-the-minute and comprehensive market knowledge; honesty, integrity, dedication, and professionalism in my business.

Whether you are a first time buyer in Aubrey looking to buy a home in Dallas or Aubrey or whether you are relocating to Aubrey from California or moving your entire family from areas like San Francisco, Fremont, Palo Alto, Los Angeles, San Diego in California due to job transfer with your company, I can help you find a new construction home in Aubrey. Our relocation team eases the transition - whether you are moving across town or across the globe. We will work with you to find an area that best suits your professional, family and lifestyle needs. We have all the tools you need to help your home search. Whether it is video previews of homes, extended work hours, digital signatures for documents or more, we can make this process as comfortable as possible no matter where you are located.

What is most important to you in your new construction home in Aubrey? Send us an email at info@NitinGuptaDFW.com or give us a call at (469) 269-6541 to schedule a no obligation consultation. We’ll give you honest advice about Aubrey community that you can use to help make your home buying decision.