Down Payment Assistance

Home Mortgage Loan Special Programs

There are several programs available for homes located anywhere in Texas that provide funds for down payment and/or closing costs. This assistance comes in the form of grants which do not have to be repaid and/or second liens which must be paid in full when the home is sold or refinanced. The interest rates are fixed for 30 years. These programs have restrictions based on your family income, family size and the County you are purchasing in. Not all of the programs require that you be a first time homebuyer.


Home Loan Programs provide a FHA loan to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance, up to 5% of the mortgage loan amount, in the form of a grant.

To be eligible for this program, a homebuyer must be of a specific group:

  • Homes for Texas Heroes: A full-time paid fire fighter, peace officer, corrections officer, juvenile corrections officer, county jailer, EMS personnel, or public security officer
  • Professional Educator: A full-time Texas classroom teacher, teacher’s aide, school librarian, school nurse, school counselor, or an allied health or nursing faculty member


There are home loan programs available that offer competitive interest rates to eligible homebuyers. In addition to a fixed interest rate, these programs offer down payment and closing cost assistance in amounts ranging from 4% to 5% of the mortgage loan in the form of either a second lien or a grant. Eligible borrower(s) must meet the programs income limits and guidelines.


With an MCC, the qualified homebuyer is eligible to take a portion of the annual interest paid on the mortgage as a special tax credit, up to $2,000, each year that they occupy the home as their principal residence. An MCC has the potential of saving the homebuyer thousands of dollars over the life of the loan.

The program is open to those individuals and families who:

  • Meet income and home purchase requirements
  • Have not owned a home as a primary residence in the past three years
  • Meet the qualifying requirements of the mortgage loan
  • Will use the home as their principal/primary residence

The MCC is a non-refundable tax credit, therefore, the Homebuyer MUST have a tax liability in order to take advantage of the tax credit.

For more information on special programs, please contact your Premier Nationwide Lending Home Mortgage Loan Expert.

* Loan programs are subject to credit and property approval. Other guidelines may apply.

Residential Mortgage Loan Originators

As your dedicated mortgage man for the greater Dallas area, I am always willing to go that extra mile. I offer a high level of cooperation and impeccable service to insure a successful and professional closing. I’ve lived in the Dallas area for over 20 years and I have been in the real estate & mortgage industry for a combined 11 years. My goal has always been to get you into a home with a mortgage that fits your needs. I truly love being a Loan Officer because it allows me to serve my local community of Dallas, TX. I strive to deliver red carpet customer service, attention to detail, and the ability to work with tight time constraints. My product knowledge and experience ensure the loan that compliments you and your financial goals. We offer many loan programs from First-time home buyer loans, Refinance loans, Construction to perm loan, FHA, VA, USDA, Conventional and Jumbo Loans.

Loan Center


What you will need to ensure a smooth home mortgage process.

Loan Options

There are several loan options available when purchasing a home.

Down Payment Assistance

Find out more about special programs and who qualifies.


Wondering how much you can finance?


I cannot thank you and your team enough for making this process a breeze. This is coming from a fellow mortgage professional who knows there is still not a high enough percentage of GREAT mortgage experiences out there these days, but you and your team are one of them. From start to finish I had to do very little. Whether with Brad and team at Freedom Title or Debbie and Sue within the Academy team, it was equally effortless every step of the way. I will share this experience both personally and professionally to try and get you guys as much business as I can throw your way.

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