Renting?
Many renters assume they need perfect credit, a large down payment, or years of savings before they can buy a home.
The reality is that thousands of renters become homeowners every year through programs specifically designed to help first-time buyers.
You May Be Closer to Homeownership Than You Think
2-steps to
Homeownership
Step-1
Our team works one-on-one with renters to identify what is stopping them from owning a home, and creating a path to homeownership!
We'll help you:
Review your credit profile
Identify financing options
Connect with trusted lenders
Explore grant opportunities
Understand your buying power
Find affordable new construction homes
Navigate the entire process from contract to closing
Step-2
Next, we’ll find homes where your estimated monthly mortgage payment matches what you currently pay in rent
If you're currently renting, you may qualify for:
Down Payment Assistance
0% Downpayment loans
Grant Programs
Closing Cost Help
Low Down Payment Loans
Credit Improvement Guidance
Special Financing Options
New Construction Builder Incentives
Explore Downpayment Options
0% USDA
USDA loans offer 100% financing with no down payment on eligible homes in rural and suburban areas just outside Houston. While central Houston is ineligible, surrounding suburbs like Katy, Hockley, Crosby, Alvin, Fulshear, Brookshire, Richmond and more suburbs on qualifying properties. Buyers must meet specific income and credit criteria
The property must be located in an officially designated rural or developing suburban area.
Popular
(TSAHC)
Texas State Affordable Housing Corporation
The Texas State Affordable Housing Corporation (TSAHC) provides 30-year fixed-rate mortgage loans and down payment assistance (DPA) grants of up to 5% of the loan amount. These programs are designed to help low- and moderate-income Texans, as well as specific community professionals like teachers, veterans, police, and firefighters.
When you take out a TSAHC loan, you can receive up to 5% of your total loan amount to cover your down payment and closing costs. You can receive this in two ways:Grant: Funds are entirely yours and do not require repayment.
Deferred Forgivable Second Lien Loan: A 3-year forgivable second mortgage that only requires repayment if you sell or refinance within the first three years
3.5% FHA
Allows for down payments as low as 3.5% and offers more lenient credit score requirements compared to conventional loans.
Borrowers with scores as low as 580 can qualify for the 3.5% down payment tier. Scores between 500 and 579 may still be eligible, but require a 10% down payment.
The 3.5% minimum down payment can consist of monetary gifts from family, employers, or charitable organizationsThe home must be your primary residence and pass an FHA appraisal to ensure it meets strict health and safety standards