I just completed my Texas Affodable Housing Specialist certification.  If you are a teacher, veteran, or police officer, the state of Texas honors you with special incentives when you buy a home.  If you are a first time home buyer within certain income limits, or buy in specially designated areas around Texas, you may qualify for the Texas Mortgage Tax Credit, a tax credit over the LIFE of the loan. Call me for information, or go online to http://www.tdhca.state.tx.us .