We’re bringing thousands of new customers right to your door.

Access thousands of new customers in markets all across the state by becoming a participating lender in the Texas First Time Homebuyer’s Program. As a participating lender, you’ll be eligible to offer qualified Texans low interest rate home loans, typically 1% below current market rates.

Participating First Time Homebuyer Program lenders also receive the following helpful benefits:

• free advertising – inclusion in FTHB materials distributed state-wide
• simple process – streamlined approach with minimal paperwork
• low-risk – all loans are non-recourse sales and feature no forward placement risk
• CRA eligibility – in most cases, participation in this program is a CRA eligible activity
• marketing materials - customize the Texas First Time Homebuyer Program-Marketing Flyer for Business Partners (PDF) (en Español) to market the program to potential homebuyers.

If your client is interested in assistance with down payment and closing costs, the Texas First Time Homebuyer Program offers income eligible homebuyers a grant equal to 5% of the mortgage amount. To be eligible for the 5% of assistance, the buyer's income generally may not exceed 60% of the Area Median Family Income (AMFI) if purchasing a property in a Non-Targeted area. If purchasing in a Targeted area, which includes the Rita GO Zone (PDF), the buyer's income can go up to 140% AMFI based on family size. To verify the AMFI figure for the buyer's area of the state, please check the Maximum Income and Purchase Price Limits Table (PDF). To determine if downpayment assistance funds are still available, please visit the Available Funds page.

We also have a Mortgage Credit Certificate program that increases a family’s disposable income by reducing its federal income tax obligation. This tax savings provide a family with more available income to qualify for a loan and meet mortgage payment requirements.

For more information on becoming a participating lender, visit Documentation.