Give your clients more home than ever before.

With the Texas First Time Homebuyer Program, you can now offer qualified clients access to competitive interest rate home loans typically at or slightly above current market rates, and may offer down payment assistance funds. The benefit is simple: they get more house, you get more commission. And now it's easier for Texas Realtors to get the information needed to help your clients with the lowest-cost mortgage possible. TDHCA has teamed up with the Texas Association of Realtors (TAR), Texas Veterans Land Board and USDA to create a program: United Texas: Housing Initiatives That Work, to educate Texas Realtors on the variety and availability of affordable housing resources in the State. To find out more information, or to request a course offering in your area, contact the Texas Association of Realtors Professional Development Department at 800/873-9155. Texas Realtors that successfully complete the course are eligible to be included on our Web site as a resource for buyers pursuing homeownership.

To qualify for this program, your client must be a Texas resident who has not owned a home for the past three years. They must also meet certain income/purchase price limit requirements. Follow the Buyer qualification steps below to check client eligibility.

• Step 1: Prequalify using our Mortgage Qualifier Tool
• Step 2: Find what types of properties are eligible for purchase.
• Step 3: Contact a participating lender.

To determine if downpayment assistance funds are available, please visit the Available Funds page.

We also have the Texas Mortgage Credit Program (MCC) that increases a family’s disposable income by reducing its federal income tax obligation. This tax savings provide a family with more available income to qualify for a loan and meet mortgage payment requirements.

Marketing materials

Informative, 3-panel brochures describing the Texas First Time Homebuyer Program and the Texas Mortgage Credit Program are available in English and Spanish versions for your clients/borrowers! Each brochure includes the types of homes eligible under each program, four easy steps to becoming a homeowner using each program, and more!

To order copies, contact Cathy Gutierrez, Business Development Officer by email: cathy.gutierrez@tdhca.state.tx.us or by phone: (512) 475-0277.
Samples of 3-panel marketing brochures: English FTHB (PDF), English MCC (PDF), Spanish FTHB (PDF), Spanish MCC (PDF)