Residential Loan Programs

Down Payment Assistance

Over 20 of our lenders offer down payment assistance programs for buyers in Texas. Many of them remove the first time home buyer requirement,  are forgivable,

and will give additional funds to cover closing costs in addition to the down payment. requirement.

FHA Loans

FHA financing is great for first time home buyers, and those with more recent credit events. Buyers can be approved for FHA financing with as little as 3.5% down, credit scores as low as 500, and back end debt-to-income ratios can go as high as 56.99%.

Construction Loans

If you can't find your dream home, BUILD IT! Construction loans offer the ability to purchase land and build a home that suits your needs. VA option with 0% down, FHA option with 3.5% down, and Conventional option with 5% down. We have standard construction loans with an initial closing at the start of construction and another closing once home is complete or the One-Time-Close option, which avoids the costly second closing. Available for site built and manufactured housing.

Conventional Loans

Conventional financing down payment options start as low as 0%, offer loan limits up to $806,500, and the ability to remove mortgage insurance with a higher down payment of 20%. They offer more flexibility when it comes to property features and appraisal requirements. 

VA Loans

For potential borrowers who have served in the US military, VA financing is a great mortgage option. Down payments as low as 0%, and VA loans offer some of the best interest rates and buyer protections out there. 

USDA Loans

For homes located in rural and moderately suburban areas, USDA financing is a great option. Down payments as low as 0%, the ability to roll in closing cost, lower FICO credit score requirements, lower interest rates, and reduced

 mortgage insurance costs.