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Learning Center

Are You Ready to Buy?

ADVANTAGES

Renting

  • Can cost less

  • Shorter-term commitment

  • More flexibility if you need to relocate

  • Maintenance and repair costs are not renter’s responsibility

Owning

  • Can build equity

  • Value of home may appreciate

  • Satisfaction in homeownership

  • Possible tax incentives

  • Make the space your own

DISADVANTAGES

Renting

  • No tax incentives

  • Rent could increase

  • It's not an investment

  • No building of equity

Owning

  • Longer-term commitment

  • Responsible for all maintenance and repairs

  • Relocation involves more than just moving

  • Upfront costs are higher

Get Familiar with the Home Purchase Process

PRE-PLAN

Look at your finances and determine if you are financially ready. Savings should allow for a down payment and closing costs.

Get a free credit report to identify any issues that need to be resolved.

VIEW OTHER ARTICLES >

  • State Licenses
  • Privacy Policy
  • Terms Of Use
  • Fair Lending Policy
  • Recovery Fund Notice
  • Realty Services
  • Calculators
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PAY MY MORTGAGE 

 

A consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1 (877) 276-5550. 

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of Licensed Residential Mortgage Loan Originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2025. Equal Housing Lender. All rights reserved. FocusOne Mortgage, LLC, DBA FocusOne Mortgage Solutions. Office located at 9601 Jones Rd., suite 108, Houston, TX 77065. NMLS#105693.

FocusOne Mortgage, LLC  |  NMLS#105693

9601 Jones Road, Suite 108  |  Houston, TX 77065

(832) 912-2151  |  Questions@focusone.com

PAY MY MORTGAGE 

 

A consumer wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1 (877) 276-5550. 

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of Licensed Residential Mortgage Loan Originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.

© 2025. Equal Housing Lender. All rights reserved. FocusOne Mortgage, LLC, DBA FocusOne Mortgage Solutions. Office located at 9601 Jones Rd., suite 108, Houston, TX 77065. NMLS#105693.