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Sebastian Guillen-Realtor

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Laredo, TX
Sebastian Guillen-Realtor

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📍Laredo.TX
🐂KW Sagar Group
🏡Residential
📲9563345038

10/30/2026

7 steps to your first Laredo home 🔑

1. Check your credit
2. Get pre-approved before you tour
3. Ask your lender about Texas down payment help, like TDHCA's My First Texas Home
4. Budget for closing costs, not just the down payment
5. Take a homebuyer education course if your program requires one
6. Tour homes, make an offer, schedule your inspection
7. Final walk-through, then closing day

Comment or DM me CHECKLIST for my free Laredo first-time buyer checklist.

Sources: Texas Department of Housing and Community Affairs, Texas Homebuyer Program (My First Texas Home); Consumer Financial Protection Bureau.

Sebastian Guillen, Realtor · Keller Williams Sagar Group

10/29/2026

2 papers you should never skim when buying your first home 📄

1. Loan Estimate: your lender sends it within 3 business days of getting your application. Use it to compare lenders.
2. Closing Disclosure: you get it at least 3 business days before closing. Compare it to your Loan Estimate and ask about any changes before closing day.

Comment or DM me CHECKLIST for my free Laredo first-time buyer checklist.

Sources: Consumer Financial Protection Bureau, "What documents should I receive before closing on a mortgage loan?" (reviewed Apr 2024) and "When do I get a Closing Disclosure?" (reviewed Aug 2024).

Sebastian Guillen, Realtor · Keller Williams Sagar Group

10/28/2026

Thinking about buying your first home in Laredo but don't know where to start? That's exactly who I help. 🏡

I'll walk you through every step: getting pre-approved, finding homes that fit your budget, making an offer, and closing day. No pressure, and no question is too basic.

Follow along for Laredo first-time buyer tips every weekday, and comment or DM me CHECKLIST for my free Laredo first-time buyer checklist.

Sebastian Guillen, Realtor · Keller Williams Sagar Group

10/27/2026

Pre-qualified or pre-approved? 🤔

Lenders use those words differently, and neither letter is a guaranteed loan. Ask your lender: did you verify my income and credit, or is this based on what I told you? Getting your letter early also gives you time to fix credit report problems before you make an offer.

Comment or DM me CHECKLIST for my free Laredo first-time buyer checklist.

Source: Consumer Financial Protection Bureau, "What's the difference between a prequalification letter and a preapproval letter?" (reviewed Dec 2023).

Sebastian Guillen, Realtor · Keller Williams Sagar Group

10/26/2026

Laredo Market Monday: the one number to watch this week 🏡

30-year fixed mortgage rate: 7.32% as of Oct 22, 2026, down from 7.40% the week before.

Tip: get pre-approved before you start touring so you know your real budget.

Comment or DM me CHECKLIST for my free Laredo first-time buyer checklist.

Source: Freddie Mac Primary Mortgage Market Survey, Oct 22, 2026.

Sebastian Guillen, Realtor · Keller Williams Sagar Group

10/23/2026

Buying your first home in Laredo? 🏡 The City of Laredo's HOME Down Payment Assistance Program offers up to $30,000 to eligible first-time buyers. DM me with questions.

Sebastian Guillen | Sagar Group, Keller Williams
Source: cityoflaredo.com, checked Oct 18, 2026.

10/22/2026

What does it cost to buy a home in Laredo today?

The median listing price in the Laredo area was approximately $255,000 in July 2026. With an FHA loan, a 3.5% down payment on that price comes to about $8,900, plus closing costs.

If you are thinking about buying, I would be glad to help you understand what fits your budget. Send me a message to get started.

Sebastian Guillen | Sagar Group, Keller Williams

Sources: Realtor.com data via FRED (Laredo, TX metro, July 2026) and consumerfinance.gov, accessed Oct 19, 2026. Loan approval is subject to lender requirements.

10/21/2026

Take a walk through the Michigan Loft by RE Signature Homes in Palm Lake, Laredo 🏡

3 bedrooms | 2.5 baths | about 1,950 sq ft | 2 stories | 2-car garage
Scenic lake in the neighborhood, with easy access to I-35 and Loop 20.

Want a tour? DM me.

Shoutout to Eduardo Alvarez, New Home Sales Consultant with RE Signature Homes: on Instagram, on TikTok.

Sebastian Guillen | Sagar Group, Keller Williams

Plan details per resignaturehome.com, checked Oct 18, 2026. Availability and pricing subject to change.

10/20/2026

Think you need 20% down to buy a home? 🏡 FHA loans allow down payments as low as 3.5%, and borrowers with a 580+ credit score can qualify for that maximum financing. DM me and I'll walk you through your options in Laredo.

Sebastian Guillen | Sagar Group, Keller Williams

Sources: consumerfinance.gov (FHA loans) and HUD Mortgagee Letter 10-29, checked Oct 19, 2026. Loan approval depends on lender requirements.

10/19/2026

Teachers, first responders and veterans in Laredo, Texas may help with your down payment 🏡 Up to 5% through TSAHC's Homes for Texas Heroes program. DM me to check if you qualify.

Sebastian Guillen | Sagar Group, Keller Williams

Source: TSAHC.org, checked Oct 18, 2026.

Address

9902 Mcpherson Road Ste 12
Laredo, TX
78045

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