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Your McKinney, TX Home Buying Timeline For First-Time Home Buyers: How Long Does It Take?

  • Writer: Nitin Gupta, CRS, REALTOR
    Nitin Gupta, CRS, REALTOR
  • Aug 3
  • 3 min read

Updated: Aug 4


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Buying your first home in McKinney is an exciting journey, but it comes with a timeline that many buyers underestimate. From pre-approval to closing day, each step takes time—and delays can happen if you're not prepared. Here’s what you can expect during the process, plus how a top REALTOR® like Nitin Gupta, CRS, GRI, can help you move efficiently through each stage.


Average Timeline Overview

Stage

Typical Duration

Mortgage Pre-Approval

1–3 Days

Home Search

2–6 Weeks

Offer & Negotiation

1–7 Days

Inspection & Appraisal

1–2 Weeks

Underwriting & Final Loan Approval

2–3 Weeks

Closing

1 Day

Total Average

30–60 Days


Pre-Approval Is Your Starting Line

Getting pre-approved by a lender sets the budget and proves your seriousness to sellers.

  • It’s often completed in under 3 days.

  • Required before most REALTORS® begin showing homes.


Searching for the Right Home in McKinney

Depending on market conditions and your must-haves:

  • Expect to visit 5–10 properties.

  • A buyer’s agent can help narrow the search with neighborhood and builder insights.


Making an Offer and Negotiating Terms

This step moves fast—especially in competitive markets like McKinney.

  • Your REALTOR® negotiates on your behalf to secure the best deal.

  • Working with an expert like Nitin Gupta means knowing when to push and when to compromise.


Inspection, Appraisal, and Final Financing

Once under contract:

  • Schedule a home inspection within 3–5 days.

  • Appraisals can take up to a week.

  • Your lender finalizes paperwork for underwriting.


Closing Day and Getting the Keys

This final step usually takes a few hours.

  • Review and sign all final documents.

  • Receive your keys and officially become a McKinney homeowner.


Stay on Track With Expert Guidance

“Nitin’s guidance made sure our closing stayed on schedule—even when issues came up.” — First-Time Buyer, McKinney


Quick Stats:

  • Average home closing in Texas: 35–45 days

  • Over 40% of closings face avoidable delays due to missing paperwork

  • 82% of buyers who use a certified agent report a smoother closing process


Final Tip

The right agent keeps your timeline on track. Trust an experienced McKinney REALTOR® to guide you from search to keys—without surprises.



Call us at 469-269-6541 for more information about McKinney real estate!


About us: McKinney New Construction Expert Real Estate Agent



As a Top Real Estate Professional in McKinney, I understand the challenges that arise when buying a new construction home. There are over 100 builders in the DFW area. I work with most of the new home builders in McKinney 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 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 McKinney looking to buy a home in Fields or whether you are relocating to McKinney 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 Fields in McKinney. 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 Fields in McKinney? 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 Fields community that you can use to help make your home buying decision.



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