First-time buyers
Your first home is closer than you think.
Low down payment options
Conventional 3% down
For first-time buyers who meet credit and income guidelines. PMI can be removed later.
FHA 3.5% down
More flexible on credit scores and debt-to-income.
VA and USDA $0 down
For eligible veterans, or homes in eligible rural and suburban areas.
Texas down payment assistance
TSAHC Homes for Texas Heroes
Down payment assistance or a mortgage credit certificate for teachers, police, firefighters, EMS, veterans and other eligible professions.
Program details →TSAHC Home Sweet Texas
Down payment assistance for low- and moderate-income buyers who meet income limits.
Program details →TDHCA My First Texas Home
A 30-year fixed loan with down payment and closing cost assistance for first-time buyers.
Program details →City and county programs
Austin and many Central Texas cities offer their own assistance. Renee can check what's available for the home you're considering.
The path to your keys
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Get pre-approved
A pre-approval shows sellers you're serious and tells you exactly what you qualify for.
Start here → - 3
Find your agent and home
Renee works with great local agents and can introduce you.
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Lock your rate and close
Renee handles the lender, appraisal and title, and keeps you updated at every step.
Ready to see what you qualify for?
Answer a few quick questions. No credit check, no obligation.