The My Choice Texas Home Loan Program is open to eligible first-time and repeat homebuyers, including veterans.
With low-interest mortgages and down payment and closing cost assistance of up to 5% of your loan amount, this program makes homeownership easier than ever in Texas.
Check Your Home Purchase EligibilityThe My Choice Texas Home Loan Program provides.
30-year, low-interest-rate mortgages.
Up to 5% down payment and closing cost assistance.
Flexible assistance options of 2%, 3%, 4%, and 5% of the loan amount.
A 0% second lien with a 3-year forgivable or 30-year deferred repayable option.
Higher income limits compared to other programs.
You don't need to be a first-time homebuyer to qualify. Here's what you need.
Meet the program's income limit; there is no maximum purchase price.
Have a minimum credit score of 620.
Be approved for a mortgage with an participating lender.
Purchase a primary residence.
Ready to take the next step? Here's how to apply.
Contact MakeTexasYourHome to begin your application. Our team will guide you through the initial steps and answer any questions.
Prepare necessary documentation like proof of employment, income statements, and other relevant paperwork.
Complete your application and submit it along with the required documents. Double-check for accuracy.
Work with our mortgage specialists to get pre-approved for your home loan. This helps you understand your budget and streamline the process.
At closing, access 2% through 5% of the total mortgage loan amount through a zero-interest forgivable or deferred repayable second lien.
Congratulations! Move into your new home and enjoy the benefits of the My Choice Texas Home Loan Program.
The My Choice Texas Home Loan Program offers 30-year fixed-rate mortgages and down payment assistance to eligible first-time and repeat homebuyers in Texas.
You can receive between 2% and 5% of the loan amount for down payment and closing costs.
Assistance is provided as a zero-interest three-year forgivable or 30-year deferred repayable second lien.
Yes, but this program is also available to repeat homebuyers and Veterans.
Contact MakeTexasYourHome to start your online application. Our team will guide you through the initial steps.
You will need proof of employment, income statements, and other relevant documents to support your application.
The timeline can vary, but our team will ensure a smooth and timely process from application to closing.
Yes, as long as you meet the program's eligibility requirements.
