Meet with a mortgage broker and find out how much you can afford to pay for a home.



While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You’ll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you’re interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan. Some lenders will even waive closing costs, if you meet their qualifications. 


Below are some lenders you may want to check out. Click on each one to be redirected to their website. You can fill out your application online and in a short amount of time, you could have a pre-approval.  You can also speak with a Loan Officer and ask any questions you may have.  There is no obligation.  Please make sure to let your Lender know that you're already working with a Real Estate Agent. 

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You don’t have to be a first time home buyer to get assistance to purchase a home in Texas. Millions now qualify for access to free grants and other forms of assistance to help purchase a home. If you’re looking to purchase a home within the next 6 months, now is the time to start the approval process. 

There are several grants and assistance programs for residents of Texas or for people just moving here from out of state. The Down Payment Assistance and Grant Programs in Texas allow you to purchase home with no money down.  Programs range from 2% to 7% in assistance towards down payment and closing costs. Funds are allocated at the beginning of each fiscal year. Therefore, funding is available for a limited time. Funds are reserved as soon as you’re approved.

The requirements are simple! Most people are told they can’t qualify for assistance…because they make too much money or their credit isn’t good enough. This isn’t the case. Over the years, the programs have adjusted with the times and income limits are higher than ever. Credit guidelines are more flexible than over all the way down to a 580 score. Below is a list of of some of the basic program requirements and benefits.

Program Requirements:

  • Minimum 580 Credit Score

  • Primary residences only

  • Property must be in move in ready condition

  • Can use on new or existing homes

  • Verifiable income (such as; pay stubs, tax, returns, etc)

  • Chapter 13 bankruptcy at least 12 months or more since filing date

  • Chapter 7 bankruptcy at least 24 months or more since discharge date

  • Foreclosures must be at least 36 months from recording date of trustee’s deed filing

Program Benefits:

  • No Prepayment Penalties

  • Low Fixed Interest Rates

  • Skip your first month’s payment after closing

  • 15, 20, 30 year loan terms available

  • High Income Limits

  • Flexible Credit Guidelines

  • Can buy a home anywhere – no area restriction