Plan. Protect. Prosper.
Frequently Asked Questions
Buying, selling or investing in Texas or Oklahoma? Tap any question to see the answer.
About Lilia
Who is Lilia Durham?
I'm a REALTOR®, GRI and ABR® licensed in both Texas and Oklahoma. I help buyers, sellers and investors across Dallas–Fort Worth, North Texas and the greater Oklahoma City metro. My promise to every client is simple: Plan. Protect. Prosper.
What do GRI and ABR® mean?
GRI (Graduate, REALTOR® Institute) is advanced training in contracts, law, finance and negotiation. ABR® (Accredited Buyer's Representative) is a specialized designation for representing home buyers. Both mean you're working with someone who has invested in going deeper than the basic license.
What areas do you serve?
In Texas, I focus on Dallas–Fort Worth and North Texas, including Frisco and the surrounding suburbs. In Oklahoma, I serve the greater Oklahoma City metro, including Norman, Moore and Edmond. Because I'm licensed in both states, I can guide you on either side of the Red River.
What languages do you speak?
I work with clients in English, Romanian and Russian. If you or your family are more comfortable in Romanian or Russian, we can talk through every step in the language that feels like home.
What makes your approach different?
Before real estate, I spent 10 years as a teacher. That shapes everything I do: I explain each step clearly, answer every question patiently, and make sure you understand your contract before you sign it. You'll never feel rushed or left guessing.
Are you involved in the community?
Yes. I've volunteered with Meals on Wheels, my church and Norman Public Schools. I believe being a good neighbor is part of being a good REALTOR®.
Working With Lilia
How do we get started?
It starts with a relaxed conversation, by phone, text or coffee. We'll talk about your goals, your timeline and what matters most to you. From there, I'll map out a clear plan so you know exactly what comes next.
How do you like to communicate?
However you do. Text, call or email all work, and I'll keep you updated at every milestone. You'll always know where things stand.
What does it cost to work with you?
Our first conversation is always free, with no obligation. How I'm paid is spelled out in writing before we begin, and it's always open to discussion. We'll find an arrangement that feels fair and clear to you.
Do I have to sign an agreement to work with you?
If you're buying, yes. Since 2024, buyers in Texas, Oklahoma and across the country sign a written agreement with their agent before touring homes. It simply puts our working relationship and my compensation in writing, so there are no surprises. I'll walk you through every line.
Can you help if I'm moving between Texas and Oklahoma?
Absolutely, and it's one of my favorite things to do. I can help you sell in one state and buy in the other, with one trusted point of contact the whole way through.
Where can I stay up to date on the market?
Subscribe to my monthly email newsletter for market updates, tips and local events. You'll also find a "Tuesday Real Estate Tip" each week on Instagram (@liliadurhamrealtor) and Facebook, plus weekend picks for things to do around DFW and OKC.
For Buyers
What's the first step to buying a home?
Get pre-approved with a lender before you start touring. A pre-approval tells you your comfortable price range and shows sellers you're ready. I'm happy to introduce you to trusted local lenders.
How much do I need for a down payment?
It depends on your loan type. Some programs allow very little down, while others ask for more. Your lender can lay out your options, and I'll help you weigh them against your goals.
What other costs should I plan for?
Beyond the down payment, budget for an earnest money deposit, inspections, an appraisal, closing costs and moving expenses. In Texas, there's also a small option fee. I'll give you a clear picture before you make an offer.
Should I buy new construction or a resale home?
Both can be wonderful. New construction offers modern finishes and builder warranties, while resale homes often come with mature trees and established neighborhoods. Either way, bring your own agent to the builder's office on your very first visit. The builder's sales team represents the builder, not you.
Why do I need a home inspection?
An inspection reveals what you can't see on a showing: the roof, foundation, plumbing, electrical and HVAC systems. It protects your investment and gives you room to negotiate repairs. I recommend one on every home, including new construction.
How long does it take to close?
Once your offer is accepted, closing usually takes about 30 to 45 days with financing, and often less with cash. I'll keep every deadline on track so closing day feels like a celebration.
For Sellers
How much is my home worth?
I'll prepare a free, personalized Comparative Market Analysis (CMA). It looks at recent nearby sales, active competition and your home's unique features. Online estimates are a starting point, but they can't see your updates or your view.
How do you market a home?
Every listing receives professional photography, a compelling, story-driven description, MLS exposure and promotion across my social media, newsletter and website. The goal is to make buyers feel at home before they ever walk through the door.
What should I fix before listing?
Focus on what buyers notice first: fresh paint in neutral tones, clean carpets, working lights, tidy landscaping and small repairs. I'll walk through your home with you and point out the changes that offer the best return, so you don't overspend.
Do I need to stage my home?
Staging helps buyers picture their life in your space, and it photographs beautifully. Even simple steps like decluttering, adding fresh linens and opening the blinds make a real difference. I'll suggest what fits your home and budget.
Should I accept a cash offer from an online company?
Instant cash offers are convenient, but they're often below what the open market would pay. I'm happy to compare any offer you receive against a full market listing, so you can choose with confidence.
Do I have to pay the buyer's agent?
Not automatically. Since 2024, sellers decide whether to offer compensation to a buyer's agent, and it's always negotiable. Offering it can widen your pool of buyers, and I'll help you decide what makes sense.
For Investors
Do you work with real estate investors?
Yes. Whether you're buying your first rental or growing a portfolio, I'll help you find properties in Texas or Oklahoma that fit your strategy and your numbers.
What numbers should I look at before buying a rental?
Start with expected rent, property taxes, insurance, HOA dues, maintenance and vacancy. From there, look at cash flow and cap rate. I can pull rent and sales comparables so your estimates are grounded in real data.
Should I invest in Texas or Oklahoma?
Each has advantages. Texas has no state income tax but higher property taxes, while Oklahoma has lower property taxes and a lower cost of entry. The right choice depends on your budget and goals, and I'll help you compare both side by side.
What is a MUD or PID, and why does it matter?
Many newer North Texas communities sit in a Municipal Utility District (MUD) or Public Improvement District (PID). These add a tax or assessment on top of regular property taxes. Always compare the total tax rate, not just the price, because it directly affects your monthly cost and your returns.
Relocating to Dallas–Fort Worth
I'm moving to DFW. Where should I start?
Start with a conversation about your commute, schools, budget and lifestyle. DFW is a large metro, and each suburb has its own personality. Ask for my free DFW Relocation Guide, which introduces the area and the communities families love.
Can you help me buy before I arrive?
Yes. Many of my relocation clients start from out of state. I offer live video tours, detailed neighborhood insights and a clear timeline, so you can shop with confidence from anywhere.
Which DFW suburb is right for me?
It depends on what matters most to you: a short commute, top-rated schools, new construction, acreage or walkable town centers. I'll narrow the list to a few areas that truly fit, then show you the homes and the neighborhoods in person or by video.
What should I know about property taxes in North Texas?
Texas has no state income tax, so local property taxes tend to be higher than in many states. Rates vary by city, county, school district and any special district. I'll help you compare the full tax picture for every home you consider.
Texas vs. Oklahoma
Is buying a home different in Texas and Oklahoma?
The big picture is the same, but the details differ. Contracts, inspection periods, disclosures and property taxes each work a little differently. Being licensed in both states means I'll explain exactly how it works where you're buying.
What is the Texas "option period"?
In Texas, buyers usually pay a small option fee for a set number of days to inspect the home. During that time, you can end the contract for any reason. Oklahoma contracts handle this through an inspection period with its own deadlines and steps instead. Either way, I'll keep every date on your calendar.
Will the seller tell me about problems with the home?
Both states require sellers of most homes to complete a written disclosure about the property's known condition. The forms and rules differ by state. A disclosure is helpful, but it's never a substitute for your own inspection.
What is a homestead exemption, and when do I file?
A homestead exemption lowers the taxable value of your primary residence, which reduces your property tax bill. It's never automatic, so you must apply. Once approved, it generally stays in place as long as the home remains your primary residence.
| Texas | Oklahoma | |
|---|---|---|
| Where to file | County appraisal district | County assessor |
| Deadline | April 30 | March 15 |
| Senior benefit | Over-65 exemption and school tax ceiling | Senior Valuation Freeze (income limits apply) |
How do Texas and Oklahoma property taxes compare?
Texas has no state income tax and relies more heavily on property taxes. Oklahoma has a state income tax and generally lower property taxes. When comparing homes across the two states, look at your total yearly cost of ownership, not just the price.
Still Have Questions? Let's Talk.
Every move is personal, and no question is too small.
Call or Text Send an Email(405) 808-8803 • lilia@liliahomes.com • https://liliahomes.com
Texas: Weichert, REALTORS® – Property Partners • License #0852605
https://lilia-durham.weichertpropertypartners.com
Oklahoma: Courtyard Real Estate • License #182308
Plan. Protect. Prosper.