Private Mortgage Insurance: What It Is and How Home Equity Can Affect ItIf you bought your home with a conventional mortgage and put less than 20% down, you may still be paying private mortgage
Dated: September 18 2026
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If your student is planning to attend Texas A&M in Fall 2027, housing may feel like something you can deal with next spring or summer.
But the Fall 2027 housing process is already underway.
Texas A&M has officially opened its 2027–28 on-campus housing application, and a few off-campus properties are already advertising leases that begin in August 2027. Many high demand student properties will start pre-leasing in October and November.
That doesn’t mean families need to decide right now whether their student will live in a residence hall, lease an apartment or buy a property in Bryan-College Station. It does mean this is a good time to understand how each option works so you aren’t making a rushed decision later.
Texas A&M does not generally require students to live on campus, although some scholarship programs may have their own housing requirements.
For students who do want to live on campus, housing is handled on a first-come, first-served basis, and Texas A&M says it typically reaches maximum occupancy and begins using a waitlist around February for the fall semester.
For the 2027–28 school year, the housing application is open now.
The process happens in several stages.
The first phase opens in September.
Students use the myHousing Portal to provide their information, sign the housing contract and pay the non-refundable housing application fee.
Incoming freshmen must first be admitted to Texas A&M before they are eligible to apply for on-campus housing.
Approximately five days after completing Phase I, students can rank residence hall preferences and indicate whether they are interested in a Living Learning Community.
These are preferences rather than guarantees, which is another reason timing matters.
Students who complete the housing application on or before December 1 and qualify for permanent housing receive Priority Permanent Housing status.
Those students are scheduled to select their own room during the room-selection process in May, with some exceptions for students participating in Living Learning Communities.
Students who complete their application from December 2 through January 26 can still receive Traditional Permanent Housing, but instead of selecting a specific room themselves, they are assigned based on roommate pairings and preferences. Texas A&M notes that room availability is first-come, first-served, so earlier applications generally provide more options.
Roommate groups generally come into the process around April, followed by room selection and assignments beginning in May.
For families considering on-campus housing, Texas A&M's Residence Life information is worth reviewing early rather than waiting until spring.
That's where the housing conversation starts to branch out.
Some students know immediately that they want the residence hall experience. Others may prefer an apartment, townhome or house off campus.
And some families begin asking another question:
Would it make sense for us to buy something instead of renting for the next several years?
There isn't one answer that works for every family.
The important part is understanding the options early enough that you can compare them without feeling rushed.
The Bryan-College Station student rental market doesn't operate on one single schedule.
Some of the most in-demand student-focused properties begin pre-leasing for the following fall as early as October or November, especially communities or homes that traditionally fill quickly.
But that does not mean families need to panic if they haven't signed a lease by winter.
Students regularly secure off-campus housing much later in the school year, including during the early spring. Availability, pricing and selection simply change as the year progresses.
Texas A&M's official off-campus housing resource, AggieSearch, allows students and parents to search apartments, houses, roommates and other off-campus options.
AT this point, it is important is to understand what your student is looking for and how competitive that particular type of housing tends to be.
A student hoping for a specific floor plan in a highly sought-after student development may want to start earlier than someone who is flexible on location, housing type or move-in date.
Families sometimes assume a REALTOR® is only useful if they're planning to buy.
That's not always the case.
Depending on the property and the agent, a REALTOR® can also help students and parents search for off-campus rentals, schedule showings, compare properties and understand the application and leasing process.
That can be especially helpful for families who don't live in Bryan-College Station or who aren't familiar with the different neighborhoods and student housing options.
Texas A&M also provides a Leasing 101 resource that covers issues students should understand before signing an off-campus lease.
If purchasing a property for your Aggie is something your family is considering, the research becomes a little broader.
You're no longer just asking, "Where does my student want to live next year?"
You're also asking whether the property makes sense financially and practically for several years.
We typically encourage families to start by thinking through questions like:
You don't need all of those answers before looking at homes. But understanding the questions can help you identify which properties actually fit your plan.
A property that works well for one student living alone may be very different from one intended for three or four roommates.
Bedroom and bathroom configuration, parking, transportation and common living space all start to matter.
The rules matter too.
For example, College Station considers many properties to be rental properties when the owner does not personally occupy the home. That can include a property where the owner's child lives, even when the child isn't paying rent. Those properties may be subject to the city's rental registration requirements.
HOA and deed restrictions can create another layer of rules, so we want to verify the requirements for the specific property rather than assume that something allowed in one Bryan-College Station neighborhood will be allowed in another. Some neighborhoods have private deed restrictions that limit the number of unrelated occupants who can live in a home, which can be especially important for families planning to have their student live with multiple roommates.
Another reason to start early is financing.
Buying a property for a college student doesn't necessarily fit into the same financing box as purchasing your own primary residence.
Who owns the property, who occupies it, whether roommates will pay rent and the type of property you're considering can all affect the conversation with a lender.
Starting that conversation early doesn't mean you're committing to buying.
It simply gives you better numbers to compare.
Instead of saying, "Rent is $900 per month, so buying must be better," you can look at the bigger picture, including the mortgage payment, property taxes, insurance, HOA dues, maintenance, closing costs and potential roommate income.
Then you can compare buying and renting based on your family's actual situation.
This may be one of the biggest differences between choosing a dorm or apartment and purchasing a property.
Buying usually requires thinking several years ahead.
Maybe your student lives there throughout college and you sell when they graduate.
Maybe a younger sibling eventually attends Texas A&M.
Maybe you keep the property as a rental.
Or maybe circumstances change and selling earlier makes more sense.
No one can guarantee what the Bryan-College Station real estate market will look like several years from now. But we can look at the characteristics of a property today and consider whether it has broader appeal beyond your student's immediate needs.
If you're looking at Fall 2027 housing right now, the goal isn't to create urgency for the sake of urgency.
It's to recognize that the planning process has started, even though many actual housing decisions may still be months away.
Texas A&M's on-campus housing application is open. Some high-demand off-campus properties will begin pre-leasing this fall, while many other rental opportunities will continue to become available throughout the winter and spring.
Families considering purchasing have a different timeline altogether because there are additional pieces to research before deciding whether buying makes sense.
This is actually the ideal stage to ask questions.
Explore the residence halls. Start learning the rental market. Learn the different areas of Bryan-College Station. Talk with a lender if purchasing is a possibility. Compare costs and think about what your student may want two or three years from now, not just freshman year.
By the time you need to make a decision, you'll have much better information to work with.
At NextHome Realty Solutions BCS, we work with Aggie families who are trying to understand their housing options in Bryan-College Station.
Sometimes that conversation leads to buying. Sometimes it helps a family decide that renting makes more sense.
Either way, you don't have to know exactly what you want before reaching out.
If your student is heading to Texas A&M in Fall 2027 and you're considering purchasing a home, townhome or condo, contact Amber Romitelli. We can start with the neighborhoods, prices and practical considerations so you can decide whether buying deserves a place on your family's list of options.
🏠 Here to help you find your happy place! 🧡
Amber Romitelli | REALTOR®
NextHome Realty Solutions BCS
Texas A&M University Residence Life
Texas A&M University Housing Application Phases
Texas A&M University Off-Campus Student Services / AggieSearch
Texas A&M University Leasing 101
City of College Station Rental Housing
Amber Romitelli is a REALTOR® with NextHome Realty Solutions BCS, serving buyers and sellers across Bryan-College Station, TX. She is part of the #1 NextHome office in Texas and the #9 NextHome offic....
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