Buyers
A buyer's guide built for Houston families
Programs, financing paths, and a step-by-step that works whether you have a Social Security number, an ITIN, or are just starting out.
First-time buyer
FHA, conventional 3% down, TSAHC and Houston-specific assistance programs.
ITIN financing
Yes, you can buy a home with an ITIN. We work with lenders who specialize in it.
Financing options
Conventional, FHA, VA, bank statement, DSCR — we match you to the right one.
Down payment assistance
Up to $30k+ in grants and forgivable loans for qualified Houston buyers.
Your step-by-step
Your step-by-step
- 01Get pre-approved
- 02Define your search
- 03Tour homes
- 04Make an offer
- 05Inspect & appraise
- 06Close & move in
Common questions
Common questions
Can I buy a home in Texas with an ITIN?+
Yes. Several Texas lenders offer ITIN mortgage programs. We'll connect you to ones we trust and walk you through the documentation.
How much do I need for a down payment?+
Some FHA loans allow 3.5% down; conventional loans go as low as 3%. Down payment assistance programs can cover much of that for qualified buyers.
Do I need perfect credit?+
No. Many buyers qualify in the 580–680 range. We have a lender intake call that maps your options based on your actual credit profile.
How long does the process take?+
From pre-approval to closing, plan for 6–10 weeks on average — faster if you're cash-ready.