When you’ve lived in Illinois for years—maybe in Chicago, Naperville, Schaumburg, or the western suburbs—the idea of moving to Texas can feel exciting and overwhelming all at once.
There’s sunshine, more space, new opportunities… but also big questions:
Where should you live?
How do you sell or transition out of your current home?
What will your budget look like in a new state with different property taxes and insurance?
The truth is, relocating from Illinois to Texas isn’t just a move — it’s a financial, emotional, and lifestyle transformation. And with the right guidance, it can be one of the best decisions you ever make.
That’s where I come in.
As a mortgage loan officer licensed in both Illinois and Texas, I’ve helped many families make this exact move. I understand the differences between the two states—the markets, the costs, the timing—and I know what it takes to make the transition smooth.
Whether you’re retiring to warmer weather, relocating for work, or simply chasing sunshine and lower taxes, I’ll help you:
✅ Map out your financial plan,
✅ Connect with trusted Texas real estate agents,
✅ Secure the right mortgage, and
✅ Move into your new home with confidence.
Why So Many Illinois Families Are Moving to Texas
You’re not alone in considering this move—thousands of Illinois residents do it every year.
Here’s why:
1. No State Income Tax
Illinois taxes can be tough, especially property and income taxes. Texas, on the other hand, has no state income tax, which often means more take-home pay and a better debt-to-income ratio when qualifying for a home loan.
That difference can significantly increase your purchasing power.
2. Lower Overall Cost of Living
While certain Texas metros (like Austin) have become pricier, the overall cost of living in much of Texas—especially Houston suburbs, San Antonio, and smaller cities—remains more affordable than Chicagoland.
For many Illinois families, this means they can finally afford:
- A larger home or newer construction
- A yard for kids or pets
- A shorter commute or better school district
3. Warmer Weather & Outdoor Lifestyle
If you’ve spent winters shoveling snow and navigating icy roads, the Texas climate can feel like freedom. With mild winters and long summers, outdoor living becomes part of your lifestyle.
Imagine backyard BBQs in December, morning jogs without frost, and weekend getaways to lakes or the coast.
4. Job Opportunities and Growth
Texas is booming—major employers in healthcare, energy, tech, manufacturing, and education have expanded here. Cities like Houston, Dallas-Fort Worth, Austin, and San Antonio are consistently among the top in the nation for job creation.
“But Where in Texas Should I Move?”
That depends on your lifestyle. Each major Texas region offers something a little different:
Houston & Surrounding Suburbs (Katy, Cypress, Sugar Land, The Woodlands)
- Family-friendly master-planned communities
- Top schools and newer construction homes
- Proximity to major employers in healthcare, energy, and logistics
- Large inventory of homes — ideal for Illinois transplants
Dallas–Fort Worth Metroplex
- Diverse job market with strong corporate presence
- Growing suburbs like Frisco, McKinney, and Plano
- Mix of modern city life and suburban comfort
- Excellent schools, shopping, and sports
Austin & Surrounding Hill Country
- Tech hub with vibrant culture
- Lush outdoor living and hill views
- More expensive but fast-growing
- Great for young professionals or those seeking a creative lifestyle
San Antonio & Central Texas
- Affordable homes with rich history and charm
- Slower pace and strong sense of community
- Great for retirees or families seeking value
I work with real estate partners in all of these regions and can connect you with the right agent for your lifestyle, budget, and timeline.
The Mortgage Game: How Texas and Illinois Differ
Here’s where most people get surprised — the mortgage math changes by state.
Even if you’re selling in Illinois and using that equity to buy in Texas, there are a few key differences to keep in mind:
1. Property Taxes
Texas doesn’t charge state income tax, so property taxes are higher. Rates vary by county and can range from 2% to 3.5% of a home’s value annually.
But don’t let that scare you — it’s all about budgeting correctly. I’ll calculate your full monthly payment including realistic property taxes and homeowners insurance, so you know exactly what to expect.
2. Homeowners Insurance
Texas weather can be unpredictable — wind, hail, and flood zones are part of the landscape. Some areas (especially near the Gulf) require windstorm or flood insurance in addition to standard coverage.
We’ll factor that in so there are no surprises after closing.
3. Closing Costs and Timelines
Closing costs in Texas are similar to Illinois, but certain fees—like title, escrow, and attorney costs—may differ slightly. Most Texas closings happen within 30 days of contract, sometimes faster.
When you work with me, you’ll know how the process compares and what to expect every step of the way.
How I Help You Make the Move — Step by Step
Moving across states takes planning and coordination. Here’s how I guide my clients from Illinois to Texas:
Step 1: Strategy Call
We’ll start with a quick, no-pressure conversation to:
- Understand your goals and timeline
- Review your financial picture
- Discuss options for selling or keeping your Illinois home
- Outline how to structure your new Texas loan
You’ll leave that call knowing what’s realistic and what to prepare next.
Step 2: Pre-Approval & Budgeting for Texas
We’ll get you pre-approved based on your Texas purchase target—including realistic taxes, insurance, and HOA fees.
I’ll explain your loan options clearly:
- Conventional
- FHA
- VA (if eligible)
- Jumbo
- Down payment assistance programs
You’ll know exactly how much house you can afford—no guesswork.
Step 3: Connect You with a Trusted Texas Agent
I have a strong network of real estate agents across Texas—people I know personally and trust to take excellent care of my clients.
Whether you’re looking in Katy, Dallas, or Austin, I’ll connect you with someone local who understands your budget, school preferences, and lifestyle.
Your agent and I work together—so your loan and your home search stay in sync.
Step 4: Coordinate Sale or Lease in Illinois
If you own a home in Illinois, I’ll help you plan how the proceeds can roll into your new purchase—whether through a simultaneous closing or a short-term rent-back.
If you’re renting, I’ll help you align your lease end with your Texas closing date, so you’re not paying rent and mortgage at the same time.
Step 5: The Transition & Move
Once your offer is accepted in Texas, we’ll finalize your loan application, lock your rate, and manage the details up to closing.
Meanwhile, I’ll guide you on what to expect with inspections, appraisals, insurance quotes, and title work—all while staying in close contact with your agent.
When you arrive in Texas, your new home is waiting—and so am I, if you ever need help refinancing, investing, or purchasing another property later.
Moving Logistics: How to Make It Easier
Relocating across states can be stressful, but these best practices will make it smoother:
🧳 Start Decluttering Early
Moving cost is often based on weight or volume. The less you move, the more you save. Donate, sell, or gift what you don’t truly need.
🚚 Compare Moving Companies
Get at least three quotes from reputable, insured movers experienced with long-distance relocation.
Ask about full packing vs partial packing, insurance coverage, and delivery window.
🏠 Plan Temporary Housing if Needed
If your Illinois sale closes before your Texas purchase, consider short-term rental or corporate housing for a few weeks.
I’ll help coordinate your closing timelines so this gap (if needed) is as short as possible.
💳 Budget for Unexpected Costs
Set aside a small cushion (around 5–10% of your move cost) for last-minute expenses—utilities, deposits, cleaning, travel meals, etc.
🗺 Research Your New County
Each Texas county has unique services, school ratings, and utility providers. Your agent and I can help you compare local resources before you move.
📦 Label & Inventory
Label boxes by room, and keep important documents—closing papers, passports, tax returns—with you, not on the truck.
Best Practices for a Financially Smart Move
1. Don’t Make Big Financial Changes Mid-Move
Avoid opening new credit cards, financing furniture, or switching jobs mid-loan. Wait until after your Texas home closes.
2. Keep Records from Both States
Lenders may ask for your Illinois payoff statement, final HUD/settlement sheet, or rent receipts—keep everything.
3. Transfer Utilities Smoothly
Contact Texas utility providers early. Unlike Illinois, many areas of Texas (like Houston) let you choose your electric provider—compare rates before you sign up.
4. Understand Texas Homestead Exemption
Once you close on your Texas home, apply for a homestead exemption—it lowers your property taxes and locks in certain protections.
I’ll remind you when and how to file.
How I Make Your Move Easier
My clients say the biggest relief was having one person who understood both worlds.
Because I’ve lived and worked in Illinois and now serve clients throughout Texas, I know:
- The property tax systems and cost structures in both states
- The timing differences in closing
- How to coordinate with your real estate professionals on each end
And beyond just the mortgage, I offer:
🏡 Personalized Loan Planning
We’ll create a custom loan comparison showing how your Illinois sale (or current savings) translates to your Texas purchase.
🤝 Agent Network
I’ll match you with experienced Texas realtors—vetted professionals who understand relocation buyers, school districts, and local building trends.
🗓 Timeline Management
Moving across states takes choreography. I’ll help time your Illinois closing, fund transfers, and Texas purchase so you’re never stuck in limbo.
💬 Clear Communication
You’ll never wonder “what’s next?” I’ll keep you updated at every step—from pre-approval to closing keys.
🧭 Local Insight
Whether you’re comparing property taxes in Fort Bend County vs. Harris County, or deciding between Katy and Cypress, I’ll help translate how those numbers affect your monthly payment and long-term comfort.
Common Mistakes to Avoid
- Starting the home search before pre-approval
Texas homes move fast. Without pre-approval, you risk losing your dream house. - Assuming your Illinois pre-approval applies in Texas
Different property taxes, insurance rates, and loan limits mean you need a fresh Texas pre-approval. - Relying on online estimates
Online calculators rarely include Texas-specific tax and insurance details. Work with someone who does. - Skipping local agent expertise
Even experienced buyers can get blindsided by flood zones, HOA rules, or MUD taxes. That’s why I’ll match you with trusted local experts.
Your 12-Month Roadmap for a Stress-Free Move
12–9 months before:
- Decide on your Texas target areas and lifestyle goals.
- Review finances and credit with me; start optimizing.
8–6 months before:
- Get pre-approved for a Texas mortgage to understand your true buying range.
- If selling Illinois home, meet with your agent and prepare to list.
- Begin researching Texas schools, HOAs, and commuting routes.
5–3 months before:
- Finalize moving company and housing timeline.
- Tour Texas homes virtually or plan a visit.
- Coordinate lease/sale timing to align with your move date.
2–1 month before:
- Secure your new Texas home!
- Schedule closing, utilities, and moving logistics.
- Start the homestead exemption checklist for after closing.
Move month:
- Travel, close, move, celebrate!
- Notify banks, update address, register your vehicle, and enjoy the sunshine.
The Emotional Side of Moving
Leaving Illinois might feel bittersweet—especially if it’s home. The memories, the routines, the familiar streets.
But every move is also a beginning. Texas offers a welcoming community, more sunshine, and new opportunities to grow.
My role is to handle the financial side so you can focus on building your next chapter.
Why Work With Me?
- I’m licensed and experienced in both Illinois and Texas.
- I understand your transition. You don’t have to explain the difference between property taxes, loan structures, or closing customs—I already know both systems.
- I have a deep network of trusted Texas agents ready to guide you in your chosen area.
- I work for you, not the clock. You’ll get guidance that fits your life, not a generic checklist.
When you work with me, you’re not just getting a mortgage—you’re getting a roadmap.
Ready to Make Your Move?
If you’re planning a move from Illinois to Texas—whether this year or next—let’s start the conversation.
A quick strategy call can help you:
- Understand your buying power in Texas
- Plan your Illinois sale with confidence
- Get matched with a local Texas agent
- Build a 6–12 month game plan for your relocation
You’ll be surprised how much clarity one conversation can bring.If you’re an Illinois resident thinking about a move to Texas, you’re considering more than