First-time buyers and anyone rebuilding credit
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
What it usually takes
A debt-to-income ratio typically up to 43%, steady employment and verifiable income, and the home must be your primary residence.
Potential benefits
Down payments as low as 3.5%, flexible credit requirements and gift funds allowed for the down payment — a strong fit for first-time buyers.
Texas assistance
FHA loans can pair with Texas down payment assistance programs from TDHCA and TSAHC and with many city programs. We check which ones fit your income and county.
Eligibility, limits and terms depend on the program guidelines in effect when you apply and on your full application. This page is general information, not a loan offer.
See if I qualifyOther programs
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.
Jumbo loans
Financing above conforming loan limits for higher-priced homes — up to $10M.