FAQs: Austin, TX Buying FAQs Some Frequently Asked Questions about Buying a home in Austin, Texas. 15. What happens if I can’t get a mortgage? Most purchase agreements specify a time period during which you secure your financing. In the event that you cannot, for some reason, get a loan, you would have until the pre-specified date to give notice to the seller and nullify the transaction. If you need to get financing in order to make your purchase, make sure there is a mortgage contingency in the purchase agreement.

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