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This program allows qualified Texans access to competitive interest rate home loans and down payment and closing cost assistance. Homebuyers who meet the following minimum requirements are eligible to apply for a loan under the program:

• First time homebuyer or a homebuyer who has not owned a home as primary residence within the past three years;
• Homebuyer(s) income does not exceed program's income limit guidelines ($79,580 for a family of 3 or more)
• Purchase price of home does not exceed program's purchase price limit guidelines: $311,204
• Credit Score/DTI Requirements
  • Government Loans (FHA, VA, USDA):
    • Minimum 640;
    • Max DTI - 45%
  • FNMA HFA Preferred Loans:
    • Minimum 640 for LTVs 95% or lower;
    • Minimum 680 for LTVs 95.01-97%
    • Max DTI - 45%

It's a fast, simple process. You only need to apply with an approved-lender for this program.

Call us about the program above to locate participating lenders in your area.

If you have more questions, please do not hesitate to Email me or contact me at 713-589-3234 for more information.

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