Help with the upfront cash — without hiding the strings.
Learn how Texas down-payment assistance grants and second mortgages work, who qualifies, and how to compare help against rate and repayment rules.
Krissi Ebbens, Senior Mortgage Broker
Ebbens & Co Mortgage Group/Powered by Xpert Home Lending
Phone: (254) 479-2434
Email: [email protected]
NMLS# 2252174
Company NMLS# 2179191
Licensed in: TX
Equal Housing Lender. All loans subject to credit approval, underwriting guidelines, and program availability. Rates and terms may change without notice. Not all applicants qualify. This is not a commitment to lend.
Down Payment Assistance Texas | Grants & Help
Learn how Texas down-payment assistance grants and second mortgages work, who qualifies, and how to compare help against rate and repayment rules.
Help with the upfront cash — without hiding the strings.
Six clues assistance may fit.
Three kinds of help. Three different promises.
Find, layer, reserve, close.
Aid is only half the comparison.
Read the strings before the celebration.
Let’s search the programs attached to your address and income.
Programs
Down payment help · Texas
Grants, forgivable seconds, deferred loans, and local credits can shrink what Texas buyers bring to closing. Krissi compares rate, repayment, occupancy, and resale rules before calling any of it “free.”
Tap what is true, then let us verify it against live program rules.
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The label matters less than what triggers repayment.
Example figures are illustrative and for education — your numbers depend on price, program, county, and negotiation.
Assistance adds a second approval track beside the first mortgage.
Every buyer gets this comparison run on their actual numbers. Here’s the shape of it.
Simplified for orientation — details like loan limits (we stay within conforming and FHA limits), DTI ceilings, and rates get worked through together.
Answered the way we’d answer a friend — including the parts that don’t favor us.
Then we’ll compare the help against a clean, no-assistance loan.
Your Texas home loan specialist — VA, USDA, FHA, conventional, bank statement, and more. I’ll help you find the loan tailored to your needs.
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This is not a commitment to lend. Any rates, payment figures, or examples shown on this site are illustrative only and may not include Annual Percentage Rate (APR). Actual rates and APR vary based on credit, loan program, property, and other factors, and may change without notice. Contact us for a personalized quote.
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