Congress recently enacted legislation providing a tax credit of up to $8,000 for first-time home buyers. To learn more about the $8,000 tax credit, current mortgage rates, and to get qualified for a mortgage click-on one of the options below:

•   $8,000 Tax Credit on New Homes purchased before November 30, 2009! read more ->
  Congress recently enacted legislation providing a tax credit of up to $8,000 for first-time home buyers. This is an improvement over the prior tax credit because this tax credit does not have to be repaid. To learn more about the $8,000 tax credit go to First Time Home Buyer?s $8000 Federal Tax Credit.
•   Mortgage Rates read more ->
  BankRate.com offers a comprehensive overview of recent mortgage rates and loan programs. To learn more go to Bankrate.com.
•   Get Qualified for a Mortgage Today! read more ->
  Republic State Mortgage is a full service mortgage banker based in Houston, Texas. With offices throughout Texas and in 3 other states, Republic and its staff of seasoned professionals can help you with all of your mortgage needs. Offering a wide array of loan programs that include conventional -- conforming and non-conforming loans, FHA, VA, adjustable rates, refinances, one-time close loans, permanent construction takeout, home improvement, second liens, and stated income loans. To find out more go to Republicstatemortgage.com.

Down payment assistance and community redevelopment programs offer affordable housing opportunities to first-time homebuyers, low-income and moderate-income individuals and families who wish to achieve homeownership.

•   Texas Mortgage Credit Program! read more ->
  This program allows qualified Texans access to low interest rate home loans, typically 1% below current market rates, and offers homebuyers a grant equal to 5% of the mortgage amount. To learn more go to Texas Department of Housing & Community Affairs.
•   Up to $19,500 Towards Your Down Payment in the City of Houston! read more ->
  A home buyer can qualify for up to $19,500 towards the purchase of a new home with a maximum sales price of $135,000. To qualify the home must be within the City of Houston, you must live in the house for 5-10 years after purchase, and meet certain income and other requirements of the program. To find out more go to Houston Home Buyer Assistance Program.
•   Up to $14,500 Towards Your Down Payment in the City of Pasadena! read more ->
  First-time homebuyers in City of Pasadena can qualify for $14,500 on a newly constructed home. These funds may be used for down payment and closing costs to purchase a home in Pasadena, Texas. To find out more go to Southeast Texas Housing Finance Corporation.
•   Up To $14,200 Towards Your Down Payment in Harris County! read more ->
  A first time home buyer can qualify for up to $14,200 towards the purchase of a new home with a maximum sales price of $115,000. To qualify the home must be in an unincorporated area of Harris County (not within the City of Houston or Pasadena city limits), you must live in the house for 5-10 years after purchase, and meet certain income and other requirements of the program. To find out more go to Harris County Community Service Department.
•   Up to $10,000 Towards Your Down Payment in the Montgomery County! read more ->
  First-time homebuyers in Montgomery County can qualify for $10,000 on a newly constructed home. These funds may be used for down payment and closing costs to purchase a home in Montgomery County. Home must be located in an unincorporated area and not within any City limits. To find out more go to Southeast Texas Housing Finance Corporation.
•   Up to $10,000 Towards Your Down Payment in the Fort Bend County! read more ->
  First-time homebuyers in Fort Bend County can qualify for $10,000 on a newly constructed home. These funds may be used for down payment and closing costs to purchase a home in Fort Bend County. Home must be located in Fort Bend County but not in the city limits of Houston, Sugar Land, Missouri City and Katy. To find out more go to Southeast Texas Housing Finance Corporation.
•   No Down Payment for Military Personnel! read more ->
  The Veteran's Administration (VA) provides zero-down payment loans for active duty and non-active duty military personnel. The Maximum VA Loan Amount is $417,000 and no Mortgage Insurance is required. Additionally, the seller can up to pay 6% of your closing costs and, in most cases, you can move-in with no money down! To find out more go to U.S. Department of Veterans Affairs.
•   100% Financing through the USDA! read more ->
  The USDA provides 100% financing for qualified buyers if you live in a designated area. To find out if your area qualifies and you meet the USDA requirement go to USDA Rural Development Housing & Community Facilities Programs.
•   Nehemiah Down Payment Assistance Program! read more ->
  Nehemiah transforms lives by increasing homeownership and asset development opportunities for diverse populations, while maintaining our commitment to successful, responsible homeownership. Nehemiah offers down payment help to anyone who qualifies for an approved FHA loan. Buyers can get up to 6% of the final contract sales price for down payment and/or closing costs. To find out more go to Getdownpayment.com.
•   American Family Funds Down Payment Assistance Program! read more ->
  American Family Funds provides nationwide down payment and/or closing cost assistance to qualified American home buyers. By working with lenders, real estate agents, builders, buyers, and sellers, American Family Funds helps families who can afford a monthly home mortgage payment, meet the lenders credit requirements, but do not have the cash to make a down payment. To find out more go to Americanfamilyfunds.com.
•   Family Home Providers Down Payment Assistance Program! read more ->
  Family Home Providers is a non-profit affordable housing company offering down payment assistance to any family with steady employment and good credit. Under the Family Home Providers plan, those with an FHA loan are eligible for 3% of the final contract price of the home purchased with the FHA approved loan. To find out more go to Familyhomeproviders.org.
•   Housing Action Resource Trust Down Payment Assistance Program! read more ->
  The Housing Action Resource Trust or HART program is a non-profit housing organization offering help to home buyers who qualify for FHA "first mortgage" loans. A first mortgage does not mean "first-time home buyers only," but rather those who are getting the initial mortgage and not applying for a second mortgage or home equity loan. . To find out more go to Housing Action Resource Trust.
•   Quickdown Down Payment Assistance Program! read more ->
  Quickdown is a program that works with non-profit agencies to provide down payment assistance. Home buyers who benefit from Quickdown are those who qualify for approved or pre-approved FHA home loans. This program is designed for those who want to buy a home but are "cash challenged" and can't afford the down payment. To find out more go to Quickdown.com.