Congratulations! Making the decision to buy a home is your first step toward building wealth and a strong financial future. We love first-time home buyers because it gives us an opportunity to do what we do best, teach about the mortgage process.

New to the home buying process? Here are some questions real estate experts recommend you ask your mortgage loan officer:

• What factors impact my mortgage interest rate?
• Is there anything I can do now to improve my credit score or lower my debt-to-income ratio before I get pre-qualified?
• Do I qualify for any down payment assistance programs?
• How much will I need to pay in closing costs?

Buying a home is a big step, you don’t have to do it all on your own. From the down payment to the closing disclosure, our or First Time Homebuyers Guide. Buying a home is a big step, you don't have to do it all on your own. From the down payment to the closing disclosure, our Frist -Time Homebuyers Guide has everything you need to know to pre for this big adventure. Visit our resource page for more tools.

Still have questions? Give us a call at 210-392-8299

 Purchasing a home is an exciting milestone—whether you’re a first-time buyer or a current homeowner exploring new options. Today’s market offers a wide variety of loan programs designed to support all types of buyers, and down payment assistance (DPA) programs are among the most valuable tools available.

DPA options can significantly reduce your upfront costs, helping you secure the home of your dreams with less financial strain. These programs are often available through state housing finance agencies, local municipalities, or nonprofit organizations, and may come in the form of grants, forgivable loans, or second liens.

 Who Can Qualify

• First-time homebuyers 
• Current homeowners purchasing a new primary residence 
• Buyers with moderate to low income
• No income cap options, no first time homebuyer requirements 
• Eligible veterans, rural residents, or those purchasing in designated target areas 

To determine your eligibility and explore the assistance programs you may qualify for, simply start by reviewing the guidelines linked below.