Home Loan Programs

Ideal for:

First-time buyers, lower credit scores, gift down payments

Key Requirements:

• 580+ credit score
• 3.5% down payment
• 2 years employment history

Ideal for:

Strong credit, larger down payments, avoiding PMI

Key Requirements:

• 620+ credit score
• 3-20% down payment
• Stable income verification

Ideal for:

Immigrant families, no SSN required, building credit

Key Requirements:

• Valid ITIN
• 10-20% down payment
• 2 years tax returns

Ideal for:

Income-qualified buyers, first-time buyers

Key Requirements:

• Income limits apply
• Primary residence only
• Homebuyer education

Ideal for:

Veterans, active duty, eligible surviving spouses

Key Requirements:

• VA Certificate of Eligibility
• No down payment required
• No PMI

Ideal for:

Buyers in rural and suburban areas near Houston

Key Requirements:

• Property in eligible area
• Income limits apply
• Primary residence only

Ideal for:

Homeowners seeking lower rates or cash-out

Key Requirements:

• Minimum 620 credit
• Sufficient equity
• Current on payments

Ideal for:

Real estate investors, self-employed, 1099 income

Key Requirements:

• DSCR, bank statements, or assets
• 20-25% down payment
• Rental property experience

Ideal for:

Self-employed, gig workers, complex income

Key Requirements:

• 12-24 months bank statements
• Alternative credit sources
• Higher reserves

Ideal for:

High-value homes, luxury properties, above $832,750

Key Requirements:

• 700+ credit score
• 10-20% down payment
• Strong income documentation