Everything you need to buy your first home in Texas, explained in plain English (y en español) by a licensed Texas mortgage broker.
Most first-time buyers in Texas follow the same path: check your credit and budget, get pre-qualified, shop for a home with a real estate agent, choose a loan program, and close. As a mortgage broker, Haven Prime Mortgage compares programs from multiple wholesale lenders, so you're not limited to one bank's options. Programs include FHA, Conventional, VA and USDA-eligible options, plus Texas down payment assistance through participating lenders.
Eligibility and terms vary by program and lender. We'll help you compare them side by side.
Government-backed loans with flexible credit guidelines and low down payment options. A common choice for first-time buyers.
Learn about FHA →Low down payment options for first-time buyers, with mortgage insurance that can be removed as you build equity.
Learn about Conventional →Down payment benefits and no monthly mortgage insurance for eligible veterans, active-duty service members and surviving spouses.
Learn about VA →Texas programs, such as those offered through the Texas Department of Housing and Community Affairs (TDHCA) and the Texas State Affordable Housing Corporation (TSAHC), may help eligible buyers with down payment and closing costs.
Use our free mortgage calculators to estimate your monthly payment and how much home you can afford.
For many programs, you're considered a first-time buyer if you haven't owned a home in the past three years. Some programs have exceptions, for example for veterans or in certain areas, so we'll check the rules for each program you're considering.
It depends on the loan program. FHA loans have some of the most flexible credit guidelines, while Conventional loans generally need a higher score. A free pre-qualification shows which programs fit your credit today, and what could help you qualify for more.
Less than many people think. Several programs offer low down payment options, VA loans offer down payment benefits for eligible veterans, and Texas assistance programs may help with down payment and closing costs. Your exact amount depends on the program, price and your qualifications.
Yes. Texas offers assistance programs for eligible buyers through organizations such as TDHCA and TSAHC, plus some city and county programs. Income limits, price limits and other requirements apply. We'll help you see which ones you may qualify for.
No. Pre-qualification with Haven Prime starts with a soft credit check that does not affect your score. A hard credit pull only happens when you formally apply and authorize it.
A bank can only offer its own loans. A licensed mortgage broker like Haven Prime compares programs from multiple wholesale lenders to find the right fit for your situation, and you work with one advisor from start to finish.
Yes. Self-employed buyers can qualify with traditional tax returns or, in many cases, with bank statement loan programs that look at your deposits instead. Learn about bank statement loans.
Sí. Franco Cordova es completamente bilingüe y puede guiarle en español durante todo el proceso de compra de su primera casa.
Get a free, no-pressure review of your options from a licensed Texas mortgage broker. English or Spanish.