September 3, 2022
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Homes in Texas
The Homes for Texas Heroes and Home Sweet Texas Home Loan Programs are available for teachers, fire fighters, police and correctional officers, veterans, and low and moderate-income homebuyers.
Welcome Video:
This short video will briefly explain our home buying assistance options and how they can help you become a homeowner.
These loans and home down payment assistance programs are available anywhere in Texas through a network of lenders and provide the following benefits:
- A 30-year fixed interest rate mortgage loan
- Down payment assistance % is based on the total mortgage loan amount
- No upfront points or fees are taken out of the down payment assistance
- You do not have to be a first-time homebuyer
- You do not need to live in the home for any set period of time
- The down payment assistance is a gift that never needs to be repaid.
Today's Interest Rates:
Loan Type &
Mortgage Interest Rate |
2% Grant for
Down Payment |
3% Grant for
Down Payment |
4% Grant for
Down Payment |
5% Grant for
Down Payment |
---|---|---|---|---|
FHA*
w/ FICO score 640-659 |
4.500% | 5.000% | N/A | |
FHA*
w/ FICO score 660+ |
||||
VA
w/ FICO score 640+ |
||||
USDA**
w/FICO score 640+ |
N/A |
|||
HFA Preferred Conventional
w/FICO score 640+ |
5.250% | 5.500% |
Minimum credit score and debt-to-income requirements must be met.
*Home buyers receiving FHA loans that must be manually underwritten will receive the same interest rate, but the DPA grant amount will be 1% less than what is listed above.