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Where Texas' Lowest Rates Call Home Buyers Realtors Lenders

My First Texas Home
is a Taxable Mortgage Program (TMP Program 79) offering mortgage loans at more competitive, fixed, low interest annual percentage rates with down payment assistance for first time homebuyers.
Visit the My First Texas Home page »

Texas Mortgage Credit Certificate Program
increases a family's disposable income by reducing its federal income tax obligation. The tax credit is valid for the term of the mortgage loan as long as the borrower occupies the property as their primary residence.
Visit the Texas Mortgage Credit Certificate Program page »

Both program options are available Statewide. Learn more about these exciting programs step by step in the Buyer section.

To apply for either program, contact a participating lender near you.

Find a lender
Texas Mortgage Credit Certificate Program for First Time Homebuyers - Tax savings up to $2000
Live Big Thanks to TDHCA, there's a first time for everthing.


*30-year fixed annual percentage rate loan with 5% down payment on a $120,000 loan. Effective 06/27/14. Offer may terminate at any time without notice. Rate and annual percentage rate (APR) calculated on a 365 day year with mandated closing costs (2% origination and $400 program related fees). Rates/APRs subject to change with changes in closing costs. Properties and applicants must qualify. Other restrictions may apply. 221 E. 11th Street, Austin, Texas 78701, 800-792-1119.

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