Homebuyers & down payment assistance
First home or fifth. No lender overlays, assistance programs with no first-time-buyer or income restriction, and a team that answers the phone.
Closes in as little as 14 daysDown payment assistance and these loan programs are for a home you will live in, not for investment property.
Program details
Down Payment Assistance
Up to 5% of the price toward down payment or closing costs. Options include a 5-year forgivable second, a 30-year repayable second, and closing-cost assistance. No first-time-buyer requirement. No income cap. Primary residence only.
Ideal for: Buyers with steady income and not much saved yet.
FHA
3.5% down, flexible credit, gift funds welcome. The workhorse for first-time buyers.
Ideal for: Credit scores in the 580–680 range or limited down payment.
VA
0% down, no monthly mortgage insurance, no loan limit for eligible borrowers.
Ideal for: Veterans, active duty, and eligible surviving spouses.
USDA
0% down in eligible rural and suburban areas — more of DFW's edges qualify than people expect.
Ideal for: Buyers looking outside the inner loop.
Conventional, High-Balance & Jumbo
From 3% down. Fixed or adjustable. High-balance and jumbo options for pricier homes.
Ideal for: Strong credit, any price point.
Refinance, HELOC & Reverse
Rate-and-term and cash-out refinance, home equity lines, and reverse mortgages for homeowners 62+.
Ideal for: Existing homeowners putting their equity to work.
FHA vs. Conventional
Two of the most common ways to buy a home. They look similar until you read the fine print.
Forgivable vs. Repayable Down Payment Assistance
Assistance can be up to 5% of the price. The real question is whether you pay it back, and when.
HELOC vs. Cash-Out Refinance
Both turn home equity into cash. They just do it in very different ways.
Common questions
How much do I need down?
FHA is 3.5% down, Conventional starts at 3%, and VA and USDA (eligible areas) are 0% down. The right one depends on your situation.
Do I have to be a first-time buyer to get down payment assistance?
No. There is no first-time-buyer requirement and no income cap. Assistance can be up to 5% of the price.
What kinds of down payment assistance exist?
A 5-year forgivable second, a 30-year repayable second, or closing-cost assistance. Which one fits depends on how long you plan to stay.
How fast can I close on a home?
As little as 14 days once you are under contract and the file is clean. Documents sent early make it faster.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a rough estimate from what you tell us. Pre-approval means we verified your documents, and that is the letter sellers take seriously.
Do you offer anything besides purchase loans?
Yes: jumbo and high-balance, refinance, HELOC, and reverse mortgages for homeowners 62 and older.
