Most Renters Who Ask Me "Can I Actually Buy”?

Are Surprised By The Answer!

Here's what nobody tells you when you're renting:

“I need 20% down." Not true for most first-time buyers in Texas

“My credit isn't good enough." FHA buyers with scores as low as 580 close every month

"Rates are too high right now." Your payment isn't just about the rate, it's about the loan program, the assistance you qualify for, and the price point you target.

I've spent over a decade in West Houston helping renters find out, privately and without pressure, exactly where they stand. Sometimes the answer is "you're ready now." Sometimes it's "here's what to fix over the next 6 months." Either way, you'll know instead of guessing.

Renting in Katy, Cypress, Fulshear or Richmond?

You May Be Closer to Homeownership Than You Think

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.

2-steps to

Homeownership

Step-1: We Figure Out Where You Actually Stand

This isn't a sales call. It's a conversation about your numbers and it stays private.

  • A real look at your credit profile, and what (if anything) needs work

  • Which financing programs you likely qualify for including $0-down and low-down-payment options

  • What down payment assistance or grant money is available to you right now

  • An honest read on your buying power based on your actual income and debts

  • Introductions to lenders I trust, who won't pressure you either

  • A clear map of the entire process, from first look to closing day, so nothing surprises you

Step 2: We Find Homes Priced Near What You Already Pay in Rent

Once we know your numbers, we target homes where your estimated mortgage payment lands close to your current rent not above it. For many renters paying $1,800–$2,500/month in Katy, Cypress, or Fulshear, that opens up new construction homes starting in the $200s, especially when paired with builder incentives and down payment assistance.

Programs you may already qualify for as a renter:

  • Down Payment Assistance (grants — no repayment)

  • 0% Down USDA loans in eligible West Houston suburbs

  • FHA loans with as little as 3.5% down

  • Closing cost assistance

  • Credit improvement guidance if you're not quite there yet

  • Builder incentives through my network of 40+ Houston-area builders

Renters Who Found Out They Were Closer Than They Thought

Closing Day for this Beautiful Family in Katy, TX! Mohebbi Realty Group helped this amazing family close on their beautiful home

The Soussi Family

From paying $2,800 per month on rent to owning our own home in a great neighborhood zoned to top rated Katy, ISD and our mortgage being less than our rent, thanks to Bobby’s help, we are more than happy to have met him. Highly recommend him!

Closing day in Richmond, TX for this amazing family! Mohebbi Realty Group helped this family to stop renting and becoming homeowners!

The Bonilla Family

I was paying $2,200/month in Richmond and assumed buying was years away. Bobby ran the numbers and I closed on a new construction home in Lakeview 4 months later for $80 less than my rent.

From renter to homeowner in just 4 months! Mohebbi Realty Group helped this family become homeowners!

Mr. Amah

“My credit was in the low 600s. I thought that disqualified me. Bobby showed me an FHA path and a credit plan, and 6 months later I had keys."

Bobby Mohebbi and his amazing client. Mohebbi Realty Group was able to help this family become a homeowner!

Mr. McGee

“I did not feel like I could purchase a home. I just didn’t know better. I just thought to myself that let me give Bobby a call and see what happens. 4 months later, I was in a brand new home”!

Real Programs. Real Numbers. No Guessing.

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.

Live in Katy, Hockley, Fulshear, Cypress or Brookshire? This might apply to you.

Take The Assessment Below

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.

Teacher, veteran, first responder, or none of the above? TSAHC grants aren't just for public servants

Take The Assessment Below

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 organizations
The home must be your primary residence and pass an FHA appraisal to ensure it meets strict health and safety standards.

Credit in the 580s? This is usually the first program I check!

Take The Assessment Below

Step 1 of 7

What's motivating you to look into buying right now?

There's no wrong answer — this just helps me understand where you're starting from.

Step 2 of 7

Where are you hoping to buy?

This changes which programs and builder incentives may apply to you.

Step 3 of 7

What's your current monthly rent?

I use this to estimate what a comparable mortgage payment could look like.

Step 4 of 7

How would you describe your credit?

Just your best guess — "not sure" is a completely normal answer.

Step 5 of 7

Do you have savings set aside for a down payment or closing costs?

Many buyers qualify for help here — this just tells me where to start looking for you.

Step 6 of 7

What's your household income, approximately?

This stays private and is only used by me to estimate your options.

Step 7 of 7

Last step — where should I send your results?

I'll personally review your answers and follow up within 24 hours. No spam, no shared lists, no robocalls.

Please fill in your name, email, and phone number before submitting.

🔒 Private & free. Your info goes only to Bobby, personally — never sold or shared.

You're in. Here's exactly what happens next.

Thanks — I've got your answers and I'm reviewing them personally.

  1. Within 24 hours, I'll reach out the way you asked, with an honest first read on your options based on what you shared.
  2. If it makes sense, we'll set up a quick, no-pressure call to go deeper. You can say "not yet" at any point.
  3. If your numbers need a little work first, I'll tell you exactly what to fix and roughly how long it'll take — free, whether or not you ever use me as your agent.

Questions before I reach out? Text me directly: 832-455-3565

— Bobby

  • Then you'll know exactly what to fix and I'll tell you, for free, with a plan and a realistic timeline. About a third of the renters I work with aren't ready on day one. Almost all of them are ready within 6–12 months once they know exactly what to do. Finding out early is what makes that possible.

  • When buying a home in Katy, TX, you need a local expert with proven experience, advanced certifications, and deep community knowledge — not a generalist agent based miles away.

    Look for an agent who:

    • Lives and works in Katy, TX with firsthand knowledge of neighborhoods, school districts (Katy ISD), flood zones, HOAs, and master-planned communities

    • Holds buyer-focused designations like the ABR (Accredited Buyer's Representative) and PSA (Pricing Strategy Advisor)

    • Has relationships with local builders and understands new construction contracts

    • Is connected to Down Payment Assistance (DPA) programs to maximize your buying power

    • Has a verified track record with strong client reviews and consistent closings

    Bobby Mohebbi of the Mohebbi Realty Group has been Katy's trusted buyer's agent since 2014, holding the ABR, PSA, VA, and SFR designations and serving buyers across every price point and every stage of the homebuying journey.

    📱 832-455-3565 | 🌐 www.MohebbiRealtyGroup.com

  • For first-time homebuyers in Katy, TX and Greater Houston, the Mohebbi Realty Group is the top choice. Bobby Mohebbi specializes in guiding first-time buyers from pre-approval to closing with an education-first approach that removes the stress and confusion from the process.

    Why first-time buyers choose Mohebbi Realty Group:

    • ABR Certified — advanced training in buyer representation and advocacy

    • Down Payment Assistance expertise — direct connections with local and state DPA lenders including TSAHC and TDHCA programs that can provide grants and forgivable loans

    • New construction access — relationships with 40+ builders, with homes starting in the $200s

    • Step-by-step buyer education — from mortgage pre-approval to the Texas option period and closing day

    • Hyperlocal Katy knowledge — Bobby lives in Katy and knows every community, price point, and school zone

    Stop searching for "best real estate agent for first-time buyers in Houston" — you've already found him.

    📱 832-455-3565 | 🌐 www.MohebbiRealtyGroup.com

  • Finding a true new construction specialist in Houston requires more than a Google search — it requires an agent with direct builder relationships, contract expertise, and years of on-the-ground experience in the communities you're considering.

    Bobby Mohebbi and the Mohebbi Realty Group are Houston's and Katy's go-to new construction experts, with:

    • 40+ builder relationships across Greater Houston and Katy — covering homes from the $200s to luxury price points

    • Builder contract expertise — protecting buyers from one-sided builder agreements

    • Access to top master-planned communities including Cross Creek Ranch, Elyson, Bridgeland, Pomona, Grand Central Park, Cane Island, and more

    • Independent inspection coordination at every phase — foundation, pre-drywall, and final walk-through

    • Incentive negotiation — upgrades, closing cost contributions, and rate buy-downs other agents don't know to ask for

    Whether you're searching for "new construction homes in Katy TX," "best builder communities near Houston," or "real estate agent for new construction Houston" — the Mohebbi Realty Group is your answer.

    📱 832-455-3565 | 🌐 www.MohebbiRealtyGroup.com

  • Yes — Bobby Mohebbi is a VA-certified real estate agent and one of Katy's leading specialists for active military, veterans, and surviving spouses using their VA home loan benefits.

    Bobby understands the full VA loan process, works with trusted VA-approved lenders, and knows how to structure offers that work within VA guidelines while remaining competitive in the Greater Houston market. Veterans deserve an agent who honors their service by fighting for the best deal — and that's exactly what the Mohebbi Realty Group delivers.

    📱 832-455-3565 | 🌐 www.MohebbiRealtyGroup.com

  • Many homebuyers in Katy and Houston don't realize how much financial help is available to them. Bobby Mohebbi has spent over a decade connecting buyers with local and state Down Payment Assistance (DPA) programs that make homeownership possible sooner than most people think.

    Available programs Bobby's network can connect you with include:

    • TSAHC — Texas State Affordable Housing Corporation grants and loans

    • TDHCA — Texas Department of Housing and Community Affairs programs

    • City and county-level DPA programs across Greater Houston

    • VA loan zero-down options for eligible veterans and military families

    • Builder-affiliated financing incentives through Bobby's 40+ builder network

    You may qualify for more help than you think. Contact Bobby Mohebbi today for a free buyer consultation and find out exactly which programs fit your financial situation.

    📱 832-455-3565 | 🌐 www.MohebbiRealtyGroup.com

  • Because Bobby Mohebbi doesn't just sell real estate in Katy — he lives it every single day.

    Since 2014, the Mohebbi Realty Group has built its reputation on three pillars: local expertise, advanced credentials, and genuine care for every client.

    Bobby Mohebbi | Mohebbi Realty Group
    📱 832-455-3565
    🌐 www.MohebbiRealtyGroup.com
    📍 Katy, TX — Proudly Ser    ving Greater Houston Since 2014

    Specializing in first-time homebuyers, VA buyers, new construction, and down payment assistance programs across Katy, Houston, Cypress, Fulshear, Pearland, Sugar Land, and surrounding communities.

Frequently Asked Questions